Does anyone know if it is even possible to get your VA loan without having a credit card?

I have no direct answer to your question. A credit card used properly is a wonderful tool. It can build your credit and make your life a lot easier. If you don't do something to build a credit history most lenders will assume the worst about you. That may not be fair but honestly the credit industry does not care...they just want to make money. I recommend that you get a credit card that does not have fees and buy something every month. At the end of the month pay off the credit card. If you use it to buy things you would normally buy with cash (gas or groceries for example) it will do wonders for your credit.

Having a credit card does not put you in debt...that's your choice.

If you wont conform and go into debt, why are you seeking a home loan? Loan=debt.

Heather, the VA Home Loan is a 15 year or 30 year debt; that is conforming. So see for what it is, apply for a credit card use it and pay on it, because it is good practice for when you are paying off your 15 or 30 year mortgage/credit.

You do not have to have a credit card or credit history to apply for a VA home loan. Some lenders do not do VA loans, and I remember that the home inspection was a lot more through for the VA loan. It is a great benefit for us, would not have gotten my first home with out it.

You have to have credit to get credit; simply the way the game is set up. With no credit cards, your score is likely to be to low to get a loan from the lender. That is separate from the VA process.

They are independent of each other.

The VA Loan, is a Loan backed by the VA. It still uses your overall credit score however to determine your credit "worthiness" but since it is a "backed" loan, the bar is lower than if you didn't have someone covering it in case of default.

Your credit score is determined by a variety of factors including whether or not you have any other credit sources including credit cards, but things like car loans count.

There is absolutely no requirement to have a credit card to have a credit score, not to get a VA loan.

If you wish to use your VA loan to purchase a house, contact a realtor, and they should be able to walk you through the process. If they tell you that you need a credit card, go to a different realtor.

PFC Heather Holmes Yes, you can. A credit card is just one form of credit. If you have any other credit, if you have bought a car on credit, or taken out a loan for anything then you can use this as proof of good credit. Note that it is important that your credit on those loans be at least fairly good. If you have never had any form of credit before then you can possibly talk to a hometown bank, or possibly the bank of a close relative who might be willing to vouch for you. It's a longshot, but it has been known to happen.

If none of the above work, go ahead and get a credit card. You don't have to go into debt when you have it. Use it once or twice a month to make a small purchase and pay off the full balance every time your bill comes due. Do this for a while and you are on your way to a great credit score.

One last tip. Don't go to an online site like "Credit Karma" to get your credit score. It is basically a club (which you will end up paying for, sooner or later) to get what you can get for free anyway, once a year, from each of the top credit reporting companies (Experian, TransUnion, and Equifax). You can request the information, online, at the website of each of the companies.

Whatever you decide good luck !! I hope you get your new Home !!

yes it is possible

You may be able to qualify based on alternative lines of credit. Such as cell phone bills , utility bills etc