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Alternative Credit References/Payment History

Verifies how well you pay your bills, including on-time, late, or missed payments. A credit or payment history provides a lender with insights on how you’ve managed your finances.

If you don’t have an established credit history, providing evidence of regular payment from other expenses like rent, phone, and utility bills may help prove you have a payment history and experience managing credit.

Tips for a smoother application process

  • Make sure documents are clear and legible.
  • Don't alter any pages (no strikethroughs, cross-outs, etc.).
  • Send all pages, even the blank ones.