"In addition to accepting ITINs, banks are being flexible when they look at credit reports, since many immigrants don't have a traditional credit history. For instance, say lending sources, the bank may consider rent and utility bill payments, or a history of sending money to family overseas as evidence that a customer is a good risk."
How is this fair?! My husband and I have a few blips (hehe) on our credit and are now trying to repair it so that we can get a house...even the VA Loans go by your credit report. Grrrr!
It is not fair. It is discrimination. When any group or people is given an advantage over another.