Mortgage Credit Insurance

I heard that the letters of ... said owner, and from your car insurance company and credit card company regarding the payment history are acceptable types of credit lines "proof of payment history continues to banks. I also heard that you need at least 5 lines of credit. Is this true and if so, what other types of "lines of credit are acceptable? As you can see, I only get to 3. Help please ?!?!?!

Good day

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We like to see at least 3 that have been open at least 12 months and a report to the credit bureau. If the use of alternative credit (the guy who did not report), we can use rent (but we canceled checks, not a letter from the owner ..) Also car insurance, rent control clean, electric or water bills, I even used daycare or tote the note car loan .. It is difficult to obtain a mortgage if you use alternative trade routes. Credit cards should report to the credit bureau to letters are not acceptable for those. We are looking for 620 or better now days.

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