A 30-year member had her home paid off for years and no credit cards that she used, so she no longer had a credit file. Her house needed a new roof, and the roofer she was using referred her to Wells Fargo for a 0% financing offer. Without credit, she did not qualify and called us in desperation. We did not hesitate to grant her a small mortgage on her home for the repairs, and we knew we were safe since her loan-to-value on the house was so low. She was so grateful she was in tears. Our loan officer then provided some counseling, so she would know how to maintain her credit moving forward.