Depth Equals Underwriting Confidence
Credit depth refers to how robust and established your credit profile is. A thin file with one or two accounts signals limited experience to lenders, regardless of score. Depth is built through multiple accounts managed over time, showing lenders a consistent pattern of responsible credit management.
What Builds Depth
Depth is built through primary revolving tradelines with seasoning, consistent payment history across multiple accounts, reasonable utilization maintained over time, and a mix of account types that demonstrates broad credit management capability. The most impactful factor for funding approvals is having multiple primary revolving accounts with at least 12-24 months of history.
Avoiding Depth-Building Mistakes
Opening too many accounts at once creates inquiry damage that can offset the benefits of added depth. The key is strategic, spaced account opening combined with disciplined usage. Patience in building depth pays dividends when it comes time to apply for significant funding.
Next Step
Start with prequalification to see where your depth currently stands and what the most effective next steps are for your specific profile.
Start Prequalification →