<prompt> Human: My fiance is trying to buy a house. He has NO credit, and no debt. He buys everything cash and has no credit cards. He tried to get a manual underwrite at some mortgage place and they said they would need 3 utilities in his name to prove a payment history. However, he was renting from his mother before we met, and it was just easier to leave the utilities in her name. Before that, he was living with his ex and the bills were in his exes name. His credit score was showing up on credit karma in the lower 600s,due to no credit usage and he had exactly 147 in collections that he didnt know about. He called a different mortgage company and they said that he needed to pay that 147 off and that would bring his credit down to 0 and then they would be able to work with him. We got it paid and it was reported and his credit went up about 15 pts, but...does that make sense? His credit isnt showing up as 0...it went up. Am I not understanding how credit scores show up? Im assuming that credit karma wouldnt show the exact number that a hard probe from the bank would show, but...they said it would bring his slightly bad credit into No credit, when were only seeing that it went up. The whole thing is making my brain hurt.Assistant: Need to get a credit card and use it to buy monthly shopping then just pay it off in full every month, get internettelephone in his name and pay that off monthly. Get a catalogue I.e. clothes and pay them off. Do you have a government register over there ? We call it the electoral register that helps too as it proves your not hiding from debt collectors and then apply again in six monthsHuman: Yeah but we are trying to buy a house within the next 2 or 3 months. Our lease is up in march and the way we are living right now...theres 11 people living in our house. We are looking for immediate extractionAssistant: You are not in a position to buy a house right now. Rent until you get your credit and saving situation sorted.Human: But we make enough money between the 2 of us to pay a mortgage. And with the rent prices here, we would be paying half as much with a mortgage. The savings isnt an issue, but the credit is  <response>: Edit your post or make a new one with details of your incomeexpensessavings and how much the house you want to buy costs. 