When does a "thin file" become a "thick file".

[Kohler]

I've been told I have a thin file before. I don't think it's thin anymore, though. I have like 13-17 tradelines (half being credit cards, other half being student loans). Am I finally in "thick file" territory? Thank you.

[user5387]

"Thin file" and "thick file" are vague terms, without a standard meaning.

I would also consider the age of accounts and limits on the accounts.  For example:

   10 accounts, average age 3 months, average limit $250 -> thin file

   4 accounts, average age 5 years, average limit $10,000 -> thick file

[kchengg1]

Need more information, what's your AAoA? What year is your oldest account?

[RobertEG]

I agree that the terms thin and thick files is dependent upon the terminology used by those who prepared the scoring model.

Most literatiure that I have reviewed on scoring model development places the cutoff at 3 active TLs.

[Revelate]

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@RobertEG wrote:

I agree that the terms thin and thick files is dependent upon the terminology used by those who prepared the scoring model.

Most literatiure that I have reviewed on scoring model development places the cutoff at 3 active TLs.

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That's what I've read and heard as well: 

Thin <4 active tradelines

Thick >=4 active tradelines.

Only real place I commonly see it come up is in mortgage underwriting these days.

[Kohler]

I believe my AAOA is 3 years... maybe a bit less.