 TITLE: What Is a Thin Credit File and How Will It Impact Your Life? CONTENT: Some 62 million Americans have what is known as a \"thin credit file.\" That means they have few (if any) credit accounts listed on their credit reports, typically one to four. (Credit reports are maintained by the three credit reporting agencies: Equifax, TransUnion, and Experian, the publisher of this blog.)\nIf your credit file is very thin, a bank or lender may be unable to calculate a credit score because there is not enough information in your credit history to do so. (Note: About 26 million Americans are known as \"invisibles\"—they have no credit accounts on their credit reports at all.) END