{"id":418,"date":"2025-12-30T15:53:03","date_gmt":"2025-12-30T15:53:03","guid":{"rendered":"https:\/\/bluegreymortgage.com\/?p=418"},"modified":"2025-12-30T15:53:03","modified_gmt":"2025-12-30T15:53:03","slug":"how-alternative-credit-data-is-opening-doors-for-more-buyers","status":"publish","type":"post","link":"https:\/\/bluegreymortgage.com\/how-alternative-credit-data-is-opening-doors-for-more-buyers\/","title":{"rendered":"How Alternative Credit Data Is Opening Doors for More Buyers"},"content":{"rendered":"\n<p>Traditional credit scores don\u2019t always tell the whole story \u2014 especially for younger or newly credit-active buyers. That\u2019s why lenders are incorporating <strong>alternative credit data<\/strong>, such as:<\/p>\n\n\n\n<p>\u2022 Rent payment history<br>\u2022 Utility payments<br>\u2022 Phone bills<br>\u2022 Bank account cash-flow<br>\u2022 Subscription payments<\/p>\n\n\n\n<p>At Bluegrey Mortgage, we use programs that consider these additional data points, helping more borrowers qualify without needing years of credit history.<\/p>\n\n\n\n<p>If your credit isn\u2019t fully established, you still may have a path to homeownership. Talk to our team about qualifying with alternative credit today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Traditional credit scores don\u2019t always tell the whole story \u2014 especially for younger or newly credit-active buyers. That\u2019s why lenders are incorporating alternative credit data, such as: \u2022 Rent payment history\u2022 Utility payments\u2022 Phone bills\u2022 Bank account cash-flow\u2022 Subscription payments At Bluegrey Mortgage, we use programs that consider these additional data points, helping more borrowers [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":419,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/posts\/418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/comments?post=418"}],"version-history":[{"count":0,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/posts\/418\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/media\/419"}],"wp:attachment":[{"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/media?parent=418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/categories?post=418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluegreymortgage.com\/wp-json\/wp\/v2\/tags?post=418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}