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Thin File despite >15k credit limit
I am a foreigner, have had a massive student loan and a secured CC in the US for 2 years. I have been an authorized user on chase credit cards with credit limit of ~20k and I saw on my Transunion/Equifax/Experian credit reports that these companies have been reporting my history. I recently got my SSN and since then have received my own credit cards with BOA, Chase and Discover with total credit limit in excess of >15k. DESPITE all this, creditkarma says I have a "thin file", even though all 3 credit agencies give me a score in the range of 750-795. Why?

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