> 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/standards-for-individual-credit-references-obtained-directly-from-a-creditor.md).

# Standards for Individual Credit References Obtained Directly from a Creditor

Individual credit references (other than rental/housing payments) from a creditor must include the following:

* the creditor’s name,
* the name of the individual providing the reference,
* the date the account was opened,
* the amount of highest credit,
* the current status of the account,
* the required payment amount,
* the unpaid balance, and
* the payment history.

The historical status of each account must be stated in a “number of times past due” format using “0 X 30, 0 X 60, 0 X 90” days late.

Note: Vague statements such as “current,” “satisfactory,” or “pays as agreed” are not acceptable by themselves.