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fcorral

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why do I have a thin file with 5 credit cards, use them all,1k in debt out of 100K, and a home loan
I dont understand, I thought Thin file was 2 or less open accounts, I have at least 6 open accounts. Do 5 credit cards count as 1 because they are just credit? If I am paying them all off with no balance, does it think I dont have credit since they are 0 balance?

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Thanks Clairissa, I recently a few weeks back refinanced my home and got my credit score and report from all 3 credit bureaus, with no issues, its only credit karma that tell me thins, and when I contacted credit karma, they claims its what trans union tells them.  :-(  I will try annualcreditreport as well.

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