Independent Accountants' Report on Applying Agreed-Upon Procedures



To Household Finance Corporation:

We have performed procedures enumerated below in items A. and B. in
conjunction with Section 3.06 of the Pooling and Servicing Agreement,
dated September 1, 1995, as supplemented (the "Agreement").

A.We have audited, in accordance with generally accepted auditing
  standards, the consolidated financial statements of Household Finance
  Corporation (the "Servicer") and subsidiaries as of December 31, 1998,
  and have issued our report thereon dated January 20, 1999.  We have not
  audited any financial statements of the Servicer as of any date or for
  any period subsequent to December 31, 1998, or performed any audit
  procedures subsequent to the date of our report on those statements.
  
  In connection with our audit, nothing came to our attention that caused
  us to believe that the Servicer was not in compliance with any of the
  terms, covenants, provisions, or conditions in Sections 3.01, 3.02,
  3.04, 3.09, 3.10, 4.02, 4.03, 4.04, and 8.08 (to the extent such
  sections are applicable to Household Finance Corporation as Servicer)
  of the Agreement, or Sections 3, 4.08, 4.09, 4.11, and 4.12, (to the
  extent such sections are applicable to Household Finance Corporation as
  Servicer) of the Series 1995-1, Series 1996-1, Series 1996-2, Series
  1997-1, Series 1997-2, Series 1997-A, and Series 1998-B Supplements in
  conjunction with the servicing of revolving unsecured consumer lines of
  credit owned by the Household Consumer Loan Deposit Trust I insofar as
  they relate to accounting matters.  It should be noted, however, that
  our audit was not directed primarily toward obtaining knowledge of such
  noncompliance.
  
  As a part of our audit, we obtained an understanding of the Servicer's
  internal control structure over the Servicer's entire revolving
  unsecured consumer lines of credit portfolio, including those loans
  serviced under the Agreement, and the related Supplements, to the
  extent considered necessary in order to assess control risk as required
  by generally accepted auditing standards. The purpose of our
  consideration of the internal control structure, which includes the
  accounting systems, was to determine the nature, timing, and extent of
  the auditing procedures necessary for expressing an opinion on the
  financial statements. Such audit procedures, however, were not
  performed in order to express a separate opinion on the Household
  Consumer Loan Deposit Trust I.
  
  Our audit disclosed no exceptions or errors in records relating to
  revolving unsecured consumer lines of credit serviced by the Servicer
  that, in our opinion, Section 3.06 of the Agreement required us to
  report.


B.   We have performed the procedure described in the following
  paragraph, which was agreed to by the management of the Servicer,
  and the Chase Bank of Texas National Association, formerly known as
  the Texas Commerce Bank as Trustee (together, the "Specified
  Users"), with respect to Section 3.06 of the Agreement, in
  conjunction with the servicing of revolving unsecured consumer lines
  of credit owned by the Household Consumer Loan Deposit Trust I.
  This agreed-upon procedure was performed in accordance with
  standards established by the American Institute of Certified Public
  Accountants.  The sufficiency of the procedure is solely the
  responsibility of the Specified Users of the report.  Consequently,
  we make no representation regarding the sufficiency of the procedure
  described below either for the purpose for which this report has
  been requested or for any other purpose.

       The procedure and associated findings are as follows:

       From the Monthly Servicer's Certificates prepared by the
  Servicer between January, 1998 and December, 1998, we selected the
  following months and performed the following procedure:

     We have compared the mathematical calculation of each amount
     set forth in the Monthly Servicer's Certificates to the
     Servicer's accounting records for the months of May, 1998,
     and September, 1998, for Series 1995-1, Series 1996-1, Series
     1996-2, Series 1997-1, Series 1997-2, Series 1997-A and for
     the month of September for Series 1998-B and found them to be
     in agreement.  Our comparisons were based on records provided
     to us by the Servicer and the methodology set forth in the
     Agreement.

With respect to the procedure performed in item B. above, we were not
engaged to, and did not, perform an audit, the objective of which would
be the expression of an opinion on the Monthly Servicer's Certificates
described above.  Accordingly, we do not express such an opinion.  Had
we been engaged to perform additional procedures, other matters might
have come to our attention that would have been reported to you.

This report is intended solely for the information and use of the
Specified Users and should not be used for any other purpose.

                                             ARTHUR ANDERSEN LLP


Chicago, Illinois
March 24, 1999