Mary was attempting to be helpful. She's a great lady and was not trying to be dismissive of your question. She spoke up in an attempt to help since no one had yet responded. We welcome newcomers, and some of the long timers like Mary try hard to make sure that queries don't go unanswered. The great thing about a thread is that if one person doesn't answer completely, the next person can come along and add more value. I appreciate her trying to direct you to where there are encyclopedic credit pull databases. We do have a small thread, but it hasn't taken off as the originator hoped. I hope that you will contribute to it and will make it a much richer resource than it is today.