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Knowledgebase Home | Favorites | Forum Welcome to our knowledge base. To find what you're after, use the search box below or choose a category to view listed articles. Search the Knowledgebase Browse by Category [Advanced Search] -- Select Category -- Credit MythbustersLoans    - Personal Loans    - Auto Loans    - Home Loans    - Student LoansCredit CardsCredit Reports and ScoresCredit Report CardIdentity TheftDebt HelpConsumer Law Guide    - College Cost Reduction and Access Act    - Credit Card Accountability Responsibility and Disclosure Act (CARD Act)     - Credit Repair Organizations Act (CROA)    - Equal Credit Opportunity Act (ECOA)    - Fair and Accurate Credit Transactions Act (FACTA)    - Fair Credit Reporting Act (FCRA)    - Fair Debt Collection Practices Act    - Overdraft Rules for Debit and ATM CardsCustomer Support The article has been updated successfully. Knowledgebase Home > Credit Reports and Scores What is a thin file? Article Details Last Updated 13th of April, 2010 Would you like to... Discuss Print this page Email this page Post a comment Subscribe me Add to favorites Remove Highlighting Edit this Article Quick Edit Export to PDF User Opinions (3 votes) 66% 33% How would you rate this answer? Helpful Not helpful Help us improve. Why was this unhelpful? Thank you for rating this answer. If you have never had a credit or loan account, your credit reports will probably be reported as "thin files" or "young files". This means that there is not enough data on your credit report to accurately evaluate it. You will need to build your credit history by opening new credit accounts. A good place to start building your credit history is with a secured credit card(s). If you have a thin file, it will be hard to open an unsecured credit card at a good interest rate (if it is possible at all). Read about the difference between secured credit cards, prepaid debit cards, and unsecured credit cards. You can also read an article about starting a credit history from scratch. Compare different secured credit card offers and find a good place to start for your credit needs. Related Articles Why is it worse for young consumers to have a high balance on a credit account? Why don't I have credit score? Is this possible? How do I file for a tax extension? Should I try to dispute negative items on my report even though I know they’re correct? What is a bankruptcy score? Continue