Originally Posted by lothar
You sure about this?
One of the few things negatively affecting my credit(according to Alliant) is because I don't own a home.
It's not necessarily affecting it negatively, they are saying the score really isn't accurate since you have no real property as part of it.
Pretty much everyone starts with insanely high credit scores. However; without large and long tradelines on your report most institutions will ignore the score and look at the individual. Mortgage companies are big on this especially if you haven't even rented. They are unlikely to extend someone a $3000/month mortgage if they never had a house/rent payment.