The bank had given my brother eighty-five thousand dollars on the strength of a dead piece of paper.

“There’s something else here,” Arthur said.

He swung his flat monitor around so I could see it.

He’d pulled my full credit report.

“The bank loan is the first entry,” Arthur said.

“But there’s a second hard inquiry on your file from only five days ago.”

“From whom?”

“A local title company,” Arthur said.