Thanks for the response.  All the information is really helpful.

I'm 25 so age isn't a problem.  I'm a current college student with no job (Damn economy lol), so I've been somewhat daunted by the verification process.  Date-check looks to be more up my alley, i.e. cheaper, to register.  I'm wary tough of providing part of my SSN to them especially since I'm not sure I'd be verified.