you put in personal information and, by courthouhoice, you can your social security number or not. then you get a number one to 599. i was in a fairly low risk category. you want to know where you rank. how do you do this? go to myidscore.com. pop in your information and you'll instantly have your answer. answers, that's my game. you have a question for me? fire away. tell me how i can be of service to you, jarod. >> caller: i sold my house about two years ago and i sold the house upside down where normally it was a requested short sale. but they didn't short sale it to me. it was about $25,000 upside down. they said we're not going to short sale it to you, but we will finance that money to you. i'm trying to negotiate, an unsecured amount of money, and i'm trying to negotiate myself a cash settlement with them and it's $24,000 now. i've offered them an $8,000 cash settlement and they came back and said we'll knock off 25% and take an $18,000 cash settlement. and i'm not too terribly satisfied with that. >> well, it is a horse trading mode you're in now. and they're looking at unde