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You should have left all those lines open, assuming they weren't something like Target or Crapital One, whose cls BARELY ever grow LOL
I vote you getting an Amex ;-)
How is he considered 'thick'? Is it because he has 37 accounts or whatever opened? Arent' those technically 'fake' since 30 of them are probably student loans that just get split up and make it look like seperate accounts when in reality they are just a single one? That is how it is for me anyway.
@razman wrote:How is he considered 'thick'? Is it because he has 37 accounts or whatever opened? Arent' those technically 'fake' since 30 of them are probably student loans that just get split up and make it look like seperate accounts when in reality they are just a single one? That is how it is for me anyway.
+1 for a manual review.
@razman wrote:How is he considered 'thick'? Is it because he has 37 accounts or whatever opened? Arent' those technically 'fake' since 30 of them are probably student loans that just get split up and make it look like seperate accounts when in reality they are just a single one? That is how it is for me anyway.
I only have 4 student loans on my credit report. You are correct about my student loans appearing more than once for the same account sort of... I had 2 student loans that I refinanced and the original loan and the refinanced loans both appear on my credit report. But my loans were not split because I did not get a subsidized student loan.
I have 7 paid off car loans. 10 paid off unsecure personal loans ranging from $3,000 to $10,000. 1 open mortgage. 2 open car loans. 5 open credit cards. The rest are closed credit cards.
I pretty much paid off a quarter million dollars worth of auto loans in 10 years. So yeah, I would consider myself as having a thick profile. No smoke and mirrors here.
FWIW my anecdotal understanding of being a "thick" file is 4 or more tradelines on the report.
Not that hard for anyone to accomplish with knowledge that having at least 4 tradelines is typically a good thing, from recent reports that number is still being used on mortgage qualification.