There are several reasons why
Equifax may indicate that they do not have enough information on file, also
known as a “thin file”, to provide your credit score.
- You haven’t yet established credit If you’ve never had a traditional credit account, such as a car loan
or credit card, or of it’s been several years since you’ve had traditional
credit, and your credit has been inactive for years, Equifax may not have
enough information on file to provide a credit score.
- You’ve just recently started to establish
your credit, or you’re working to re-establish credit It can take as long as four to six months for a newly-opened account
to be reported by your creditor or tracked by Equifax. This may also be the
case if you've recently started re-establish your credit.
- Equifax believes you are deceased If you have established credit, and you believe you should have a
credit score, but Equifax is indicating that they don’t have enough information
on file to provide your credit score, you may want to confirm that they do not
believe you are deceased.
Security Administration supplies something called a “Master Death Index” to
credit bureaus, other businesses and government agencies. If your social
security number ends up on that list somehow, you are presumed to be deceased.
Even if you have multiple established credit accounts, if one of them includes
the reference that you are deceased, that can impact your credit score
altogether. If you believe this may be why you have a “thin file”, you
should contact the Social Security Administration (http://www.ssa.gov) to request assistance with
provides a free credit score update every 90 days. The Mint Overview and Credit
Score Details page will indicate when your score can be refreshed.
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