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terralee85

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Karma say I have a thin file now. But I have 700+ credit score 6 months ago??
I check my credit score every 6 month. last time on July/2014 Karma told me my credit score is good-- about 700+. But this time I check it Karma told me I have a thin file. Nothing happened during past 6 month. I have one credit card, one bank account, No loan, pay bill regularly. So I ask increase my credit card limits and my credit company approved. It seems that my credit score still ok, but Why I have a thin file in Karma?

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Same Problem

I've had credit for the past three years, actively have a car under my name in lease, and about 5-6 credit cards, which are used often enough, and I still have a thin file. Not sure why.

Credit Karma Team
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Hi terralee85,

How often do you use your credit card to make purchaes? If the card is dormant, the issuer may stop sending monthly reports. Without regular activity, the credit bureau can no longer calculate a score. 

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