Hmmm ... sounds like spam to me ... but on the topic of credit reports and credit ratings ... I was even denied the opportunity to open a chequing account by a bank yesterday, because my credit file had "derogatory remarks" on it ... but the bank was unable to confirm what those "derogatory remarks" were. Friday, July 13, 2001, 12:42:47 PM, you wrote: hfic> Have you checked your personal credit reports recently? hfic> If you are planning making any major purchase like purchasing a Home or hfic> newcar or getting a new job or even a promotion, Please....read on! hfic> You need to have a GOOD to EXCELLENT credit rating. If you do already, hfic> that's important, but if you know your credit is less than perfect, you need hfic> to get those negative remarks REMOVED, LEGALLY and quickly. <SNIP>