I have excellent credit but what the industry refers to as a " thin file ''. I found this out because there was a database theft which occurred at my Health Insurance company ( XXXX ) and to curb any identity theft, they asked you to put a watch on my credit files. Subsequently, I applied for a credit card but was turned down due to this " thin file '' or what the company doing the " hard inquiry '' listed as " INSUFFICIENT CREDIT HISTORY ON FILE '' on the rejection letter. This " hard inquiry '' greatly reduced my credit score on online credit score websites and I would like to know what my credit score truly is. In order for me to get it from the monitoring company, I am told on the credit report I am sent monthly that I should pay {$7.00} to get my credit score. I would also like to remove the hit I took from this " hard inquiry '' from my credit report as it makes it looks as if I am not credit worthy, which is not true, as I have the ability to pay and also have a history of paying all my debts until such time that you classified my file as " thin ''.