 TITLE: What Is a Thin Credit File and How Will It Impact Your Life? CONTENT: Who Is Most Likely to Have a Thin Credit File?\n----------------------------------------------\nYou could have a thin file if you:\n*   Are young and new to the credit world\n*   Are a new immigrant who hasn't established a credit history in the U.S. yet\n*   Haven't used credit in a long time\n*   Have very few credit accounts that you haven't kept active\n*   Have been recently widowed or divorced\n*   Shun credit and mainly use cash\nThe Consumer Financial Protection Bureau notes in a recent study that Hispanics and African Americans, as well as people who live in low-income neighborhoods, are disproportionately impacted by thin credit files. END