You know what? Screw it. Let's go the INI file route cause it's easier. Add the following 2 lines to the top of your form code:
Private Declare Function GetPrivateProfileString Lib "kernel32" Alias "GetPrivateProfileStringA" (ByVal lpApplicationName As String, ByVal lpKeyName As Any, ByVal lpDefault As String, ByVal lpReturnedString As String, ByVal nSize As Long, ByVal lpFileName As String) As Long
Private Declare Function WritePrivateProfileString Lib "kernel32" Alias "WritePrivateProfileStringA" (ByVal lpApplicationName As String, ByVal lpKeyName As Any, ByVal lpString As Any, ByVal lpFileName As String) As Long
Private Sub Form_Load()
SaveUser "John", "Doe"
Use the following 2 routines
Private Sub SaveUser(User As String, Pass As String)
WritePrivateProfileString "userlist", User, Pass, App.Path & "\users.ini"
Private Function GetPass(User As String) As String
Dim Pass As String * 255, PassLength As Long
PassLength = GetPrivateProfileString("userlist", User, "", Pass, 255, App.Path & "\users.ini")
If PassLength > 0 Then GetPass = Left(Pass, PassLength)
Tell me if you can't figure out how to use this. The code above is all you need to know to save/load user information. Then comes the encoding.