Ongoing Credit Monitoring
Track your FICO® Score & Identity
One-time Credit Reports
Be prepared for Important Transactions
How can we help you?
Monitor Credit & Identity
Get a Home Loan
Get a Credit Card
Get an Auto Loan
FICO® Ultimate 3B
3-Bureau FICO® Scores, Credit & Identity Monitoring
FICO® Essentials 1B
1-Bureau FICO® Scores & Credit Monitoring
FICO® Score 3B Report
3-Bureau Credit Report & FICO® Scores
FICO® Score 1B Report
1-Bureau Credit Report & FICO® Scores
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)