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.
Learn more about what can cause a thin file and possible next steps.
Check out some suggestions for building your credit history.