<prompt> Human: We had good credit, havent missed any payments for anything in 15 years, and last year paid off student loans and a car. Since we havent had any debt for over twelve months, our credit is apparently considered scoreless according to our mortgage broker and they cant help us get a mortgage. What are our options? Try to get an FHA loan with underwriting that takes our rent and other bill payments into account? Work on building our credit back up?  <response>: Step one, talk to a different mortgage broker. 15 years of credit history doesnt just disappear. Period. 