Credit Invisible
A consumer who has no credit history with any of the three major bureaus, making it impossible for scoring models to generate a credit score. An estimated 26 million Americans are credit invisible, according to the CFPB.
Related guides
- Full credit & FICO® glossary
Browse all defined terms by category.
- Thin File
A credit file with limited credit history — typically fewer than five accounts or a very short history. Thin files can result in no score (a 'credit invisible' status) or a lower score. Common among young adults, recent immigrants, and people who have primarily used cash.
- Credit Builder Loan
A type of loan designed to help people with no or poor credit build a positive payment history. The borrowed money is held in a savings account while you make monthly payments. When the loan is paid off, you receive the funds and have a track record of on-time payments on your credit report.
Frequently Asked Questions About Credit Invisible
What does Credit Invisible mean?
A consumer who has no credit history with any of the three major bureaus, making it impossible for scoring models to generate a credit score. An estimated 26 million Americans are credit invisible, according to the CFPB.
Is Credit Invisible important for my FICO® score?
Understanding Credit Invisible helps you manage your credit profile more effectively, which in turn supports a stronger FICO® score.