They want w-2 or current pay stub. I said no. I faxed a copy of an old bank statement (tax) w/my name and ssn. WHY? their datebase in not relational. They have no names w/ssn. They only show ssn. And attached to that is inquiries, lost or stolen cards w/other cc's and bk info. She said they sell it to cc card issuers (but I think it's more a prescreening device). She kept saying "when you apply for credit they check the number of inquiries w/us" In theory it'd be another bk screening tool, but I don't see the big cards using them b/c those of us w/purged bk records get real cards w/out the bk biting us from another source. So I'm wondering how well used their database is or isn't.