What does it mean that TransUnion does not have enough information on file to get my credit score?

There are several reasons why TransUnion 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, TransUnion 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 TransUnion. This may also be the case if you've recently started re-establish your credit.

  • TransUnion believes you are deceased

If you have established credit, and you believe you should have a credit score, but TransUnion 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.

The Social 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 to request assistance with correcting this.

Mint 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.