Creation of separate credit rating for housing and consumer credit

I want to create a separate credit rating to help families buy houses that have had credit blemishes due to pay cuts etc but have remained current on their rent showing that above all they keep current on there most important bill. I for example am 20 pts away from qualifying for a home loan but have never been late on my rent for the past 6 plus years. And need to get a minimum of 3 credit cards to build my credit score.