Many people use a "cash-only" policy, and therefore end up having no way to prove their creditworthiness. If you have no credit, there are other ways to prove your creditworthiness. In fact, you probably have more credit than you think.

You can use the following references to prove you have credit:

• Rent: This one of the strongest references when buying a home.

• Utilities: You can use the statements as evidence, and many utility companies will issue credit letters.

• Short-Term Notes: Many of the 30-, 60-, or 90-day personal note carriers will issue a credit reference.

• Rental agencies: The furniture and appliance rental companies will also issue credit letters.

• Car references: Many car lots have their own loan papers, and although they do not report to credit bureaus, they will probably be happy to help you.