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Lexi515

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How can I improve my thin file.

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follow these steps

a thin file means you don't have any thing to report.  

First get a credit card, Try the bank you do business with first.  I suggest that you avoid appling for cards on line until you've built up your file.  odds of aproval are very low.  Your first cards may need to be secured by a savings account or deposit.  the limits will be very low, usually a few hundred dollars.  I suggest that you use these types of cards for one thing only such as gas or to pay utilities.  Something that your going to be buying anyway and can afford to pay off the whole balance every month.  

after 6 months or so see if you can qualify for another card. again i suggest that you try your bank where you can walk in and talk face to face. You odds of approval are much higher.   Remember to keep you utilization low and make every payment on time.  These are the 2 biggest impacts on your credit score.  After that maybe a couple of store credit cards over the next year. 

Educate yourself on what it takes to maintain and manage good credit.  Sites like this one are a great to learn with out having to make the mistakes yourself.

Good luck 

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