+1
you are right.
I always am
(even when I'm actually wrong...)
But seriously, I'd TOFTT to find out, if I wasn't actually planning on applying. All my reports are frozen, so my app would fail (due to frozen report) and they'd ask me if they could pull a different bureau.
Anyone know if this would work with bogus info (i.e. apply as Jimmy Henderson, and when it fails, ask them if they can try another bureau and see what they say)?