Costs of Your Credit File
  Little or No Credit History
  Building Your Credit File
 
  Credit Challenges  
  If you are one of the 35 to 50 million people in the United States who does not have a full credit history, your road to home ownership has probably been a difficult one, up to now. Lenders were not likely to offer loans, or if they did it was at extremely high interest rates. But this situation is now changing to meet the needs of an expanding population. If you are one of the millions of Americans with little or no credit history, now you too can enjoy the benefits of home ownership.