By Audience: Articles for Your Situation

Different borrowers face different obstacles. The right financing path for someone with no credit history is different from the right path for someone rebuilding after a bankruptcy, and different again for someone with a steady military paycheck and a recent move.

Articles below are organized by the borrower situation we wrote them for. If you don’t see your situation here, the Financing Options page is a good general starting point.

Common Borrower Situations

  • No credit history — thin or non-existent credit file, common for younger borrowers and recent immigrants
  • Rebuilding credit — past delinquencies, paid-off collections, or recent missed payments showing on the report
  • Recent repos or charge-offs — a derogatory mark within the last 24 months that’s affecting approval odds
  • Bankruptcy discharge — starting fresh after Chapter 7 or with the income room to take on new debt after Chapter 13
  • Veterans and active military — specific products, credit union access, and protections under the SCRA and MLA
  • Renters and recent movers — building credit without a mortgage on the report
  • Self-employed or gig income — income verification and bank-account-based approval

Articles by Audience

Other Resources