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![](https://fry.gs/pictrs/image/c6832070-8625-4688-b9e5-5d519541e092.png)
My thought on that is that they needed a new location so their image didn’t just look like a modified version of another of the victim’s public images, so NK searched for a stock photo for a professional looking location. Ars has just located the stock image they started from.
This Experian FAQ article indicates “thin file” is about number of credit accounts, not amount of interest.
https://www.experian.com/blogs/ask-experian/what-is-a-thin-credit-file-and-how-will-it-impact-your-life/