don't really know where to put this?

[Anonymous]

What is considered a thick profile? What do I do to create one for myself over time?

What is thin?

[pizza1]

a thick file is one that has many years of accounts on it with payment history. Several different kind of credit...loans, revolving.

You can create a thicker file by adding more credit, different kinds of credit, and keeping your cards open over years, and using them/paying them.

[Anonymous]

idk the exact number a thick profile means. idk the years, amount of accounts.. etc


i have 6 years total and 25 accounts (open and closed) but i dont think that's considered a thick profile

[Anonymous]

Pizza's response was pretty good.

To the OP: can you tell us a few things more?

*  What is the age of your oldest open account?  (I.e, when was it opened?)

*  How many open credit cards do you have?

*  Do you have any installment accounts?  How many closed and how many open?

*  Do you have any negative payment information?  (lates, collections, etc.)?

My guess is that you may have a small number of accounts, like maybe only one (with it being a CC).  That's ok, fine place to start.  You may have more though.  We can help you out more if we know your situation better.

[Anonymous]

First acct- FEB 2015
I have 7 credit cards, 1 auto loan, 3 student loans, 18 total, includes open & closed.
I have one collection on each all about 3 yrs old, 2 paid in full but collection company doesn't do pfds the other I refuse to pay because it is not my debt and I've have no luck disputing.

[Anonymous]

I'm sorry February 2010 is my first acct

[Anonymous]

then that's VERY thin but it'll grow

[Anonymous]

but in like 3-5 years that'll be pretty nice not gonna lie

[Anonymous]

I lied I inly have a collection on experian & transunion. Ex is paid but cannot be deleted the company refuses. & transunion I'm paying.
So Xterror is time the only thing I'm missing? Or is there something else I can do.

[Anonymous]

TU- Not paying*