Costs of Your Credit File
  Little or No Credit History
  Building Your Credit File
 
  Little or no credit history should not be a problem  
  If you have little or no credit history, you might have been told by a lender that you fall into a high risk category. If that is the case, you need to find a new lender. There are options that can be used to assess credit risk aside from a traditional credit bureau report. Lenders listed in our Specialty Lender Directory on this site offer affordable lending solutions, like the Anthem Report from First American CREDCO, that can be used to assess risk in much the same way a traditional credit report does – by looking at your payment history on items such as rent and utilities.