Dear Jenny, I have good news and bad news. Per the state of the mortgage industry there is only one program 'that I know of' for a person without a credit score. That would be FHA. You would have to show that you have been making on time and in full bill payments for the last 12 months (i.e. cell phone, gas, electric, auto insurance, cable....) you will need to furnish copies of the bills and cancelled checks. That is the good news. The bad news is per the terms of a FHA all judgements will need to be satisfied before closing, so the judgement you are disputing will have to either be paid or dismissed before you can close on the house purchase.