> 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/unacceptable-uses.md).

# Unacceptable Uses

The establishment of a nontraditional credit history is not acceptable for the following scenarios: 

* The originator is able to obtain a credit score for the borrower despite the borrower’s limited use of credit. 
* The borrower has a sufficient amount of credit to obtain a credit score and the representative credit score is less than the minimum required. 
* The borrower’s traditional credit history indicates significant derogatory references, such as a prior bankruptcy or foreclosure. In these cases, the borrower must have re-established credit in accordance with Section Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit, including the establishment of traditional credit and a credit score.