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Good Morning,Sounds like you are on the right track. It also sounds like you may just be an authorized user on your credit cards? How many of those cards are in YOUR NAME ONLY? This is important. Also, how many months have your student loans been in place? I'm confused as you said you have multiple tradelines...but were denied because of not having 3???No you probably will not be able to use past rents, but if paid on time you could use it as a possible compensating factor (if needed). What about a cell phone? Do you have one in your name?Yes, you should absolutely get a pre approval before going to a Real Estate agent. This way you know where you stand and won't be wasting your time (or theirs). Being pre approved upfront gives you negotiation power as well.Yes, it seems that you will be OK. Keep shopping. All lenders are not created equal. Find a broker in your area that has been around for a while. They will have multiple outlets to try and get you a mortgage. Tell them you may have to use traditional credit to get approved...if they are seasoned, they will know exactly what you mean.Good Luck!Tom
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