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CONFUSED42

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HOW DO I HAVE A THIN FILE AT AGE 42 WITH OVER 20 YEARS OF CREDIT
I HAVE NEED TO KNOW WHAT HAS HAPPENED IN THE LAST 3 YEARS I WENT FROM HAVING A LOW CREDIT SCORE AND TRYING TO IMPROVE IT, TO A THIN FILE? HOW DOES THIS HAPPEN AND WHAT DO I DO ABOUT IT?

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No writing in all caps, please.  That's Internet "shouting" and is rude.

The information Credit Karma uses is from Transunion, which is one of the three credit reporting bureaus.  Your credit accounts may have been reported to Experian and/or Equifax or (since you said yoiu've had credit for over 20 years) many of those accounts may have been closed/paid off and they dropped off the credit reports after the required 7 years.  A "thin file" is indicitive of the amount of ACTIVE credit accounts you have.

You can find more information in the Articles on this site, since that is what Credit Karma is all about....teaching peoiple the ins and outs of credit and how to have it work for them.  Please read them.

I hope you have checked your credit reports on an annual basis and continue to do so.  That topic is also covered in the articles.

Credit Karma information is only for YOUR use, and is not sent to anyone else ever.

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