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Question By
MeliML

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How can I have "thin file"if I have a mortgage and about 4 credit cards in my name ?
I tried to apply for a loan and it said my credit was either frozen or has a pin to be able to see it through Equifax ... I came here to see my credit report because I haven't seen it over a year ago which was 735 last time I had checked and come to see it says I have thin file. How can that be ?? I have a mortgage ... and I have about 4 credit cards I use frequently. I DON'T GET IT !
And it doesn't let me see anything it just says thin file.

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Thin is relative.  If that's all that is on your report and the accounts are all recent then you have a thin file.

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