After chasing my tail trying to get file merged since July, I stumbled across the board. A few people suggested I email Robin Holland at Equifax. I did that this past Saturday and at 6:55 am Monday morning I had an emil from her and she my email to an assistant of hers. Today I got an email from her assistant and BAM I got me a merged file. Go me GO me. Now I just got to wait till the mail brings my updated copy to she wait she could have done to make my file merge. I tried to join CW but there is some java script error on the webpage. Anyway I want to thank everyone who pointed me in the right direction . ~~~~THANK YOU~~~~~