anyone have a thin file?
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  1. #1
    Join Date
    Oct 2002
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    505
    Anyone have good scores with a very small credit file? like 4-5 tl's, but no derogs


  2. #2
    Join Date
    Sep 2002
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    1,565

    Re: anyone have a thin file?

    Originally posted by trout
    Anyone have good scores with a very small credit file? like 4-5 tl's, but no derogs
    I have no derogs on TU 685 Efx 680 BUT I still cannot get credit. I cannot get any cc's due to no revolving history, can't get a car loan due to short auto loan history. So I have hit that point where I feel like having clean credit is poinless. Hell even with the worst credit in the world (pretty close to it anyway) I was able to get a mortgage. I am just ranting, I know it will take time but it is very frustrating still getting declined for everything.

    PS the top factors for my scores being so low is no revolving credit.

  3. #3
    Join Date
    Oct 2002
    Posts
    505

    Re: anyone have a thin file?

    mine has 3 cc's. 1 providian visa, 1 providian platinum and 1 paltinum cap one. ones about 2 yrs old, the others are <1 yr old. and a student loan from 97. and a installment thats paid off from 98. i'll get my scores in few days.

    have you tried any store cards such as bestbuy or a larger furniture store card?

  4. #4
    Join Date
    Sep 2002
    Posts
    1,565

    Re: anyone have a thin file?

    Originally posted by trout

    have you tried any store cards such as bestbuy or a larger furniture store card?
    No, I have taken too many hits already. I broke down and had dh add me as an au on his Cap1 card yesterday. I have in installment loan fm 94 an an installment loan from last year (it was actually a loan that started out secured by my truck but 2 months later they unsecured it and it is reporting as an installment) a car loan from July and a mortgage from May.

  5. #5
    Join Date
    Oct 2002
    Posts
    505

    Re: anyone have a thin file?

    a mortgage is what my goal is. they say my score is not that important, since i am the co-applicant. my wife is primary, so her score is the one used. they jsut said i needed to have no chargeoff or collections. But now...I have zero bads on all three. I am going to get a new car after we get the mtg.

  6. #6
    Join Date
    Nov 2002
    Posts
    226

    Re: anyone have a thin file?

    Originally posted by tnobles


    I have no derogs on TU 685 Efx 680 BUT I still cannot get credit. I cannot get any cc's due to no revolving history, can't get a car loan due to short auto loan history. So I have hit that point where I feel like having clean credit is poinless. Hell even with the worst credit in the world (pretty close to it anyway) I was able to get a mortgage. I am just ranting, I know it will take time but it is very frustrating still getting declined for everything.

    PS the top factors for my scores being so low is no revolving credit.
    tnobles ~

    try peoplefirst.com or lending tree.... or another site with the same concept - they send out feelers and you get offers from several companies (inq's also, fyi).... you might even do a search on google for auto loans.....

    I'm not advocating them for any reason except that I got excellent results.... and I got to choose the best %rate... No I don't work for them LOL - it just seems this subject has appeared lately (in case anyone was wondering).....

    anyhoo - just thought it might help.... if not, ignore my ramblings..... :)
    gargoyle girl

    it's not the heat - it's the stupidity....

  7. #7