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jachyra4

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"Can't find your credit file" It's NOT thin
I have had a credit card for more than ten years and a car loan for the last two at the very least. Why is this not enough for CreditKarma to find my file?

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There are other places online where you can check your credit, you might try that to see if they can furnish your information to you. Keep in mind that not all lenders report to the credit bureaus and some lenders may only report to one bureau. Do your lenders report to all three credit bureaus? Do they report to Experian? (don't get that bureau here). Do they report at all. I would assume that your credit card would report to the credit bureaus, but sometimes auto loans may not, depending on the lender. Small town banks only report to one bureau as it costs money to report to the credit bureaus. Also know that you get Vantage scores here, not FICO, so no big loss if you can't acquire anything here.

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