If there is anyone out there that doesn't have access to a report, just let me know. Being a dealer I can pull it for ya! 
Ah yes, forgot about this. If one went out and solicited a report from a credit agency at their own expense, it would indeed not be seen as an inquiry that would have any kind of negative impact.stylelab said:When you request your personal credit file from one of these agencies, it doesn't generate an inquiry, so doesn't affect your credit rating. Alex