SoFi may be better than Upgrade for people with thin credit files because it doesn't have a credit history requirement. (nerdwallet.com)
There may be scorecards for those with no delinquencies, coming out of bankruptcy, having new late payments, and new credit or thin credit file consumers. (northshoreadvisory.com)
Each credit bureau uses the data it has on you (which may not be the same data the other bureaus have) to calculate your FICO credit score, so you can expect your Experian, TransUnion, and Equifax credit scores to differ by up to 20 points, or even more if you have an especially thin credit file (a thin file is one that doesn't have much data). (creditsesame.com)