A credit report is considered "thin" when there is not enough credit history to generate a credit score. In order for credit scoring algorithms to generate a score, they need some reported payment history for accounts appearing on your credit file. Although it can vary based on the credit score being used, you should expect to need at least 1 reported account with a 3-6 month payment history. Modern credit scores like the Vantage 3.0 score used on Credit Sesame can score with a little as 3 months of payment history.
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