Thin file definately...
coming from someone with a thick file (47 TLs) 5.8 yrs AAoA
FICO 8: 
Goal: Gardening!
Goal: Gardening!
@Jutz wrote:Duncan haven't you put a ton of work into polishing up your reports? It sucks. I would much rather have a thin file, you can build that up pretty quick.
Yup. Ive put a ton of work into cleaning up file. But in a couple years I'll be in really good shape which is about the same amount of time it would take someone to build up a thin file. Just wanted to know what yall thought as I see different results for people on this board when they app for cards.
@Duncanrr wrote:
@Jutz wrote:Duncan haven't you put a ton of work into polishing up your reports? It sucks. I would much rather have a thin file, you can build that up pretty quick.
Yup. Ive put a ton of work into cleaning up file. But in a couple years I'll be in really good shape which is about the same amount of time it would take someone to build up a thin file. Just wanted to know what yall thought as I see different results for people on this board when they app for cards.
I take comfort in knowing that, if we stay on our current course, eventually we'll have thick, clean files. 
My current AAoA: EQ, 6 yrs 11 months; TU 8 yrs; EX 8 yrs.
Oldest Account Age: 25.5 yrs
Thin and clean for me!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Ill go with thick and sick (with baddies). I like a challenge.
@Duncanrr wrote:
Ill go with thick and sick (with baddies). I like a challenge.
I want thick (multiple tradelines) , long (Average Age of Accounts), and clean (no baddies, low inquiries).
I've already had enough "challenges" to last me a lifetime!
FICO 8:
Goal: Gardening!
Goal: Gardening!
Thin file....much easier to fix than baddies
