How to increase credit score if you do not have a credit card?
My husband has a horrible credit score (median 569). He has no credit cards, loans, no mortgage, not to store accounts. He has a cell phone that automatically paid but not reported, the reporting agencies. It has old scores (3-6 years), as he has his own business and was wholly responsible. Total debt is $ 9,000 ($ 1000, but is in dispute and are eliminated by Trans Union over the next 30 days). We must go up to 620 guests to eligible mortgage (we have 20% deposit) will be. We were told to open a secured loan or credit card payments for her. And it is not open to something new. We were told to repay the debt if the collection agency wants to eliminate … and not to pay off old debts, because it sends them to the beginning of the report and have more against him. Since it does not store any loans, bankruptcy, mortgages, foreclosures, credit cards, accounts … are now $ 8,000 in old debt (mobile, rent receipt of office buildings, etc.), how can we not make a mark quickly? Thank you as FYI – the deposit paid his old debts. The payment will come from a working facility as our office in India and I am now unemployed. If we use the solution to pay its debts, then we must stay in a house $ 1,150 / month with 4 children and 1 income.