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Tricky1000

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I have a thin file what does that mean
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You don't have enough credit history to get a score.

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God I am 36 and had bad credit when I was 18-21 so I stopped all credit use. So now I have no score ??? LOL

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It means you have either very few references on our file or they have not been open a very long time. Someone may use the term even if you have a scored file. A file with only one Macy's card open one year would have a score, but that's still pretty thin.

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IVE OWNED A HOME

I HAVE OWNED A HOME,HAD MY OWN BUSSINESS AND FILED A BANKRUPTCY HOW DO I HAVE A THIN FILE,PLUS I HAVE UTILITITES CREDIT CARDS AND CELL PHONES,DONT UNDERSTAND HOW I HAVE A THIN FILE

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THIN FILE DONT UNDERSTAND HOW

I HAVE OWNED MY OWN HOME,MY OWN BUSSINESS AND FILED A BANKRUPTCY NOT INCLUDING UTILITIES,CELL PHONES,HOME OWNERS INSURENCE ECT,HOW CAN I HAVE A THIN FILE?

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