That's a great point, and thank you for the information and the link. I will research it and see what comes back. I am thinking your point about identity veri

That's a great point, and thank you for the information and the link. I will research it and see what comes back. I am thinking your point about identity verification is really the true problem. The credit scoring is what it is, the fact that errant records are linked because of poor identity discrimination is really a core issue. Cool! Thanks again.