Credit Card Discussion

Okay, morbid thinking. My parents have life insurance but from what I know they just have joint bank accounts. So if Dad died and Mom wanted to refinance the house or something, would she be able to do that or does the 20+ years of excellent credit count for nothing because Dad was/is the primary [...]

I know that credit card companies have access to certain credit information, but what exactly do they have access to? My husband and I both have Beacon scores over 800 and get an average of four Credit card or refinance offers EACH per day! I guess I have two questions:
1) What data do they use [...]