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Bowie42

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I have been paying my bills for a year and a half, I still have a thin file. How is this possible?
I have never been late on my electric or my rent bill and they have never been under anyone elses name. How much longer do I have to responsibly pay my bills before I get credit?

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Credit Karma Team
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Hi Bowie42,

Generally, these items (rent and utilities) are not listed on a credit report. Only accounts listed on your credit report can be used to calculate your credit score. This means things like: loans, credit cards, mortgages. You need to have at least six months of data to calculate a credit score. 

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