You can have a BLANK credit report, even as low as 560 credit score. FHA has no actual printed guidelines on credit scores. You may know someone who never established traditional credit because of their cultural or spiritual beliefs, or they just plain didn’t.
You may know someone new to the country who hasn’t established credit – that’s ok too. Many banks protect themselves by setting a minimum acceptable credit score, but that is not FHA’s rule. That’s banks protecting themselves. They turn away worthy borrowers with good habits that don’t fit the box. We don’t do that.