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Is it any easier to get a mortgage through USDA than any other type of mortgage, credit wise? As I have said in the past I have good scores, but thin credit (only two CC accounts, one is a little over a year old). That's it, unfortunately.
Also, is there any way to expedite getting enough credit for a mortgage, such as what kinds of accounts I should look for. I've been thinking about getting a new cell phone and was wondering if I should get a contract, because then I could use that as an alternative tradeline after a year or two.
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