thin file = not much on record about you (relatively), so there's not enough history on you yet for them to make a good prediction. Could be short history, could be just a couple of accounts, could be both
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007