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john ulzheimer is known as one of our nations most recognized credit experts having worked for 28 years in the credit industry john has become one of the most prolific speakers about credit and the go-to authority on answers to credit related questions credit countdown with john alzheimer hey there this is john ulzheimer i hope everyone is having a good day today were going to talk about an industry term um thin file what is a thin file why do you care if you have one what can you do about it what is the problem with having a thin file were going to talk all about thin files today so when i talk about file i just want to make sure that im clear that im referring to a credit report um some people refer to them as credit files well get into the a discussion of the proper terminology for these types of things another time but when i refer to thin file and today in the context of todays video im referring to a a credit report so finn has the same meaning for credit reporting as it