What element is necessary for non-traditional credit to meet trade line requirements?

To meet the trade line requirements for non-traditional credit in the context of USDA Rural Housing Loans, it is essential that the payment history is verified by the creditor. This verification provides a credible source of information about the borrower's payment behavior, which is crucial for assessing their creditworthiness, especially when conventional credit histories may not be available.

Non-traditional credit sources can include things like rental payments, utility bills, and insurance premiums. These payments must be documented and confirmed by the creditor to ensure that the information is accurate and reliable. This is important as it helps lenders to have an appropriate understanding of the borrower's financial responsibility and reliability, thus aiding in making informed lending decisions.

While other elements such as the length of payment history and frequency of reporting may be relevant, the verification from the creditor directly establishes the legitimacy of the pay history being considered for the loan application.