What Does it Mean if I Have a “Thin File”?

What Does it Mean if I Have a “Thin File”?

Being thin isn't always a good thing, especially when it comes to your credit score. When there's not enough information on your TransUnion or Equifax credit report to generate a score on Credit Karma, the credit bureau sends back an alert that you have a "thin file." In cases like this, it could take some time to fatten up your score.

There are a few reasons why you might have a thin file. See if your situation fits any of the following descriptions and then read on to see tips on what you can do.

You've never had credit.

You don't have any lines of credit listed on your credit report, like a credit card, mortgage, auto loan, student loan or any other kind of loan. It's impossible for a credit bureau like TransUnion to generate a credit score if this is the case.

Possible Next Steps: If you want to begin building your credit, start simple. You may want to consider a secured credit card, which helps you build credit and is backed by a security deposit that you provide. Secured credit cards often don't require a minimum credit score for approval, so your lack of credit history may not be an obstacle to approval. When applying for a secured card, consider annual fees and other terms to make sure that you're getting a good deal while you build your credit history.

You're new to credit or you're re-establishing credit.

If you've recently opened your first credit card or loan, don't expect to have a credit score right away. It takes time to build your credit history and develop a credit score. The same applies if you've recently started re-establishing credit after having closed many of your credit lines.

Possible Next Steps: You've already taken the first step toward establishing credit. If you're building credit with your first credit card, consider charging a small purchase each month and paying the card off in full. You don't need to carry a balance from month to month in order to establish your credit usage. If you've opened a loan, make your payments on time every month. After a bit of time making steady payments, you can always come back to Credit Karma to check on your credit score.

The credit bureau thinks you're deceased.

It seems crazy, but it happens: Credit bureaus can mistakenly believe you've passed away. Deceased folks don't have credit scores, so you might be told you have a thin file if that's what the bureaus think. Unfortunately, correcting this can be a lengthy, time-consuming process.

Possible Next Steps: If you think you've been marked as deceased, contact the credit bureau in question and notify them of the mistake. You could also file a dispute just like you would when you find a simple credit error. To dispute, you would typically include your full name, current mailing address, social security number, birthday and a written statement saying you're not deceased. You may also need to include notarized proof that you're alive.

Your credit file is split.

Like a credit bureau mistakenly thinking you're dead, a split file is an outlier. Split files rarely occur, but when they do it's often because there is a lot of information on your report or because your personal information, like your name and your address, have changed very frequently. Both causes can lead to a single credit bureau having multiple credit reports and credit scores on file for you, each with different information. If your information is being split, it could potentially lead to a credit bureau trying to generate a score for you based on very limited information. This could cause an incorrect thin file error.

Possible Next Steps: A split file is a credit reporting error, so you'll have to contact the bureau directly in order to have it fixed. Since closed accounts can fall off reports, first check that your information is actually being misreported by obtaining all three of your credit reports and comparing from bureau to bureau. If it's clear from this comparison that one of the bureaus has accidentally split your file, you can then contact the credit bureau directly to have your reports merged.

Bottom Line

In the case of credit, thin is not something you want to be. If you're hoping to apply for credit soon, take some steps to build your credit to a creditworthy state before you do so.

Still have questions? Get some advice from the Credit Karma community.

Editorial Note: The editorial content on this site is not provided by the bank or issuer. Opinions expressed here are author's alone, not those of the bank or issuer, and have not been reviewed, approved or otherwise endorsed by the bank or issuer. Credit Karma may be compensated by companies mentioned through advertising, affiliate programs or otherwise. It is this compensation that enables Credit Karma to provide its members with services like free access to your credit scores and free monitoring of credit and financial accounts at no charge.

 

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

About the Author: is a Content Writer at Credit Karma. Since joining the team in June 2013, he's been delivering the financial know-how on the daily. When away from work, you can find Mike watching hockey, Twittering for hours and frequenting trivia nights.

All Comments

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1 Contribution
106 People Helped

Helpful to 106 out of 129 people

This country runs on credit... Borrow from Peter to pay Paul what you really don't have. I believe that the credit companies WANT Americans to be in hock. I tried this Credit Karma, and it came up thin file. However, if I would just go into debt by getting a loan or a card (I'm debt-free and owe no one nothing), then I can find out my credit score. To me, that's foolishness. I'll just continue to pay cash, thank you.

Reply by
Aprillfools

2 Contributions
65 People Helped
Helpful to 64 out of 77 people

I'm having the same problem and i think it's just wrong. I don't owe anyone anything. Don't use credit cards and it's like it's worse than having bad credit. right now I can't even find a place to live because of my thin file.. this is after paying my rent faithfully for 8+ years. and not being in debt at all

Reply by
nuge2131

1 Contribution
33 People Helped
Helpful to 33 out of 38 people

My thoughts exactly,screw their credit card.If I don't have the money to buy something then I don't need it.Of course I have a thin file,I havn't had or needed a loan for years.

Reply by
alex5445

1 Contribution
24 People Helped
Helpful to 24 out of 30 people

Yep... I fell for the "here's all the credit you ever wanted!" nonsense back when I was fresh out of high school. Managed it for a quite a while, along with a car loan, but like a lot of younger people (or people of any age, really), I ended up in over my head. 20 years later I'm completely debt free and pay cash for everything (and have for several years; I can't actually remember the last time I had a credit card), thus making it so I only purchase what I can afford. Seems like the more responsible path... but if you want a credit card, loan, mortgage, etc, it apparently isn't.

1 Contribution
44 People Helped

Helpful to 44 out of 51 people

Just shows that this society is f'd up, and our financial system depends on people being in debt. What kind of system penalizes people who pay for what they need up front? 

Why shouldn't you be a good candidate for credit when you don't carry any debt???!!! It's ridiculous! No wonder Americans are drowning in debt, our system forces people to take on debt in order to qualify for credit. 

I pay my bills every month, on time!! I pay my rent, I pay my taxes, I pay for my groceries, I pay for my clothing, I pay for the services I use. I pay the tolls at toll booths, I pay my parking tickets, I pay my community fees, I pay my electric bill, my cable bill, garbage bill, water bill, and sewage bill. I donate to charity. I pay my doctor and my hairdresser. I pay the babysitter, and the day care. I pay my cell phone bill. And have done so EVERY MONTH for YEARS!!

But NONE of this COUNTS, because I pay for these things without accruing any debt?! WTF? 

So, as a reward for being a conscientious citizen, who pays for the things I use, I can never own a home in this society. You can't get a mortgage without a credit score, and you can't get a credit score without owing someone money. WTF? Shelter is a basic human need, debt is not!!! 

1 Contribution
31 People Helped

Helpful to 31 out of 34 people

For all of us, those of you with no credit or score, DONT believe that you CANT ever buy a house without good credit, bad credit, no credit score, good credit score, etc. BECAUSE YOU CAN! I am living proof! In fact I have bought 4 houses in the past without credit, without a credit score, and it didnt matter. There are ways. The banks and credit bureaus dont want you to know the ways but you CAN own your own home. I got two of my homes with less than $1000 out of pocket at closing. No banks, no credit reports. No Im not selling a book here or 'how to' but just telling you that it is possible and easier than you think. Just look into buying a home on an owner contract. Ask your realtor or attorney or google it. 

Ironically with all four houses I have bought and some i have sold, I paid on time all the payments and all were paid off when I sold them, Ironically NONE of this showed up on my credit report. Why? because no bank was involved and the OWNERs never bothered reporting my payment history to the bureaus. Why bother. 

You CAN BUY A HOUSE!!! With a this file , if your are supposedly dead, or even if you have bad credit. Not everyone wants a credit report! There are home sellers just like us that hate banks and credit bureaus that understand. Find them!! THERE ARE MORE THAN YOU THINK.

1 Contribution
50 People Helped

Helpful to 50 out of 68 people

I never had a credit card, I have always paid for what I own cash and I did recieve a student loan in 1997 but paid it off, it dosent even show on my credit report anymore since 2001, when I actaually got all three credit reports and it showed my score of 750. Now I try to check my score it says I have a thin file?? I was trying to build up my credit by getting a card, now I cant. I dont understand do your score goes down even it you dont try to get anything for credit. Im glad I found this article, but I still confused. So I guess I cant get credit at all or try to build my credit..lost>>>

1 Contribution
88 People Helped

Helpful to 88 out of 114 people

"Secured credit cards come with guaranteed approval, which means there's no credit check."

This statement is not completely true. I work at a financial institution and we pull credit on every application. Pulling credit proves if you have other debts/minimum payments you are responsible for, as well as runs safe scans on identity. Many lenders utilize pulling credit for many things, not just the credit score and payment history. Share secured credit cards or loans are not always approved. At our credit union, you are required to be working and must be able to afford the minimum monthly payment within your debt to income ratio. Be sure to check with the lender on their requirements before applying.

1 Contribution
50 People Helped

Helpful to 50 out of 78 people

i can't even get a score. i thought you were supposed to get the score right then, i feel a rip off

1 Contribution
22 People Helped

Helpful to 22 out of 32 people

How can you establish credit when you're denied all the time! Especially for those "secured" credit cards! Being a college student freakin sucks! 

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