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But, perhaps, the biggest difference between a first-time home buyer and an experienced one is that first-time home buyers are less likely to have credit history.Utility payments and cell phone bills are also considered, but fewer of those companies are jumping on the reporting bandwagon because of privacy laws in some states.First-time home buyers face challenges that more experienced home buyers do not.Cost, ease of use and feedback from team members proved Go To Assist is the best solution for Virtua.We needed a tool to quickly ascertain our customers' problems and provide the best solution.First-time home buyers have had no mortgage, may own their car outright, and may reach for debit cards over credit cards when given the chance.