Ok, so I didn't know I had to have 3 open lines for 12 months for my USDA loan. I have 2 (Utility and one CC for 2 years with no lates) and the other 2CCs I do have are only 5 months old. So, I'm trying to think what else I can use? My rent is only 9 months old, so that wont work for another 3 months, then I have Comcast which is also 9 months old, does anyone know if maybe I prepay 3 months I can use it like it's a year old? I mean if I prepay 3 months of rent could I use that, since I'm essentially covered for that year? Probably not, but thought I'd ask. I really wanted to get a pre approval before my year was up here so I can move before this lease is up, or be ready to atleast! I just don't have a lot of bills. My phone is in my dads name (family plan) so that won't work.