Hello everyone. Hoping I can get some advice and help. I've been able to improve my credit score by paying off all my collections. My mid fico score is 663, lender pull. I have spoken to two loan officers, Embrace home loans and Wells Fargo. Both say I qualify for a loan. I do not have any credit, save a student loan that has never been late. I was told I can use my utility payments in lieu of actual credit to show proof of on time payments. I have never been disconnected, but have paid past the due date a few times. Is this something I need to be concerned about? I want to qualify for an Fha loan and I know they need at least a year of on time payments. Any help would be greatly appreciated.
