A thin file is a low number of accounts reporting on your credit. A seasoned file can only be changed with time as that refers to how old your accounts are.
So obviously, my 2 credit cards and installment loan, will look much better after 12 months vs what they are now. But anything over 12 will be what lenders will want?
Should I add another credit card? Or a longer loan? (mine is done after 12 months)