<prompt> Human: I was reading some posts on here and figured it would be a good idea to check my credit score. I figured it should be close to 0 since the only debt Ive ever accrued was a 300 hospital bill that went to collections. Does this mean I have no credit or do I have an actual issue?  <response>: You have a thin file meaning little to no credit history, so theres nothing to actually verify you against your identity. 