Conditions- Alternative Credit

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  • #73521
    jkp2020
    Participant

    I received a condition stating they could not accept 2 out of my 3 alternative credits/payment history. All of my utilities are included in my current rent amount, so I have no utilities. Per NACA, if you don’t have utilities you can use, cell phone bills, car insurance, gym memberships, etc. Also per NACA, “NACA does not consider a lack of payment history to be a problem”.

    I chose to use the only payment obligations I have; which was car insurance, monthly parking at my work and residence.

    The condition stated they could not accept the car insurance or parking. Why not? I can’t create bills I don’t have. @ttrumble please advise. Thank you!

    #73522
    jkp2020
    Participant

    Cont… Please note all of my alternative credit showed on time payment history for more than 12 months!

    #73523
    Dee
    Participant

    You can use internet or cable bill too. I used my cellphone, internet, and electric bill.

    #73525
    jkp2020
    Participant

    Thank you, @Dee. I currently reside in a condo and everything is included in my rent price including wifi, cable, and all household utilities. I can’t use my cell phone bill because boost mobile isn’t considered a “contracted phone plan”. Can I use Netflix or any other streaming service?

    #73539
    jkp2020
    Participant

    I need someone from NACA to answer my question please.

    #73555
    ValeriyMel
    Participant

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