Thank you this has indeed helped. I must admit you guys are tough. Crazed, he admitted to it when I called his bluff and told him I had a credit report that showed his inqiry. And Anvil I did bring up the audiotaping.........anyway I don't get why his motives are relavant either....... I think I was just looking for some comfort. I don't know I learned along time ago not to tell people what they "should" do....