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What is a thin file?

If you have a thin file, it means the information in your credit report is too limited for the credit bureaus to calculate a score. Thin files are most common with people who are young, new to the country or don’t have any open credit accounts. 

If you were able to receive a score in the past but now have a thin file, it could be because you’ve closed your credits cards or loans and now have too few credit lines open to calculate a score.

Even if you have a thin file, you can still review your credit reports to make sure the information included is accurate.

Additional Resources

Learn more about what can cause a thin file and possible next steps.

Check out some suggestions for building your credit history.


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