Not Enough Data means the applicant's identity has been verified, they passed TransUnion's IDV security step, and the credit report has been returned, but the applicant does not have enough credit history for TransUnion to generate a credit score. TransUnion calls this a 'thin file'.
For credit score errors, learn more about credit score errors here.
There are a couple of reasons why an applicant may not have enough credit history to generate a
- The applicant has never used their credit or has very little credit history. This is typical of applicant's close to the age of 18 years old. An agent should check the applicant's date of birth.
- The applicant has a new social security number and has never used their credit or has very little credit history. An agent should understand if the applicant has a newly issued social security number.
The credit report may have additional identifiers reported to the bureau such as a previous address or employment. Clicking on Not Enough Data will take you to the renter's TransUnion credit report, or you can click on the Renter Resume to view the report together with the application.
In very rare cases, an applicant could have entered application data incorrectly and while TransUnion may have been able to verify their identity, the report TransUnion returned is a split file.
If you believe the applicant may have a split file, the applicant should contact TransUnion to understand if there were any errors entered on their application causing an issue.
*Unless the applicant is aware of what the issue is, an applicant should always contact TransUnion before contacting Intellirent's technical support.
Still need help? Submit a support request here.