If you have been living with someone, then the next question is were you paying them rent?

If yes- copies of checks and receipts will verify your rent.

If no, then unfortunately you will not have recent rental history. If you rented someplace else in the past we might be able to utilize a verification from that landlord (depending on the time since renting).

Not having a previous rental history will affect one part of the application scoring system we utilize. You may also be able to use a co-signor as an additional option to get around this issue.