You do not need credit score to get a home loan. Find a lender who does manual underwriting and put 20% down. Remember credit scores didnt exist until 1950 when the diners card came out. Its just one big scam to make someone else wealthy. I ask all of you who manage your credit so well "how much do you have in your bank account for emergencies?" Im guessing not much. If we all had atleast 5k for emergencies then stupid companies like earn in wouldn't exist. Break the cycle people.