> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/underwriting-borrowers/credit-assessment/non-traditional-credit-report/borrowers-with-disabilities.md).

# Borrowers with Disabilities

If a borrower with disabilities does not have a credit score and a nontraditional credit history is being developed, the underwriter may use documentation provided by a court-appointed guardian, a Social Security Administration representative payee, or a parent, provided that this party:

* manages the borrower’s financial transactions,
* maintains records on the borrower’s behalf, and
* uses credit accounts held jointly in the name of the person with disabilities to pay financial obligations.

The underwriter can use the documentation provided either to request a nontraditional mortgage credit report from a consumer reporting agency, or to establish a nontraditional credit history for the borrower, as described in this topic.