UNITED STATES
                     SECURITIES AND EXCHANGE COMMISSION
                            Washington, DC 20549


                                 FORM 10-QSB

            [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE
                       SECURITIES EXCHANGE ACT OF 1934
            For the quarterly period ended September 30, 2002

            [  ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE
                               EXCHANGE ACT
            For the transition period from __________ to __________


                      Commission file number: 2-96392-A



                              TANGENT SOLUTIONS, INC.
                              -----------------------
        (Exact name of small business issuer as specified in its charter)


                 DELAWARE                              65-0952956
                 --------                              ----------
       (State or other jurisdiction                  (IRS Employer
     of incorporation or organization)            Identification No.)


                   6801 POWERLINE ROAD, FT. LAUDERDALE, FL 33309
                   ---------------------------------------------
                     (Address of principal executive offices)


                                 (954) 935-8100
                                 --------------
                           (Issuer's telephone number)


Check whether the  registrant  filed all  documents  and reports  required to be
Filed by Section 12, 13 or 15(d) of the Exchange Act after the  distribution  of
Securities under a plan confirmed by a court.   Yes [X]   No [  ]

State the number of shares outstanding of each of the issuer's classes of common
Equity, as of the latest practicable date: 15,683,883

Transitional Small Business Disclosure Format (check one):   Yes [  ]   No [X]






<page>

PART I   FINANCIAL INFORMATION


Item 1. Financial Statements

Consolidated Balance Sheet September 30, 2002

Consolidated  Statements of Operations for the Nine Months and
    Three Months Ended September 30, 2002 and 2001

Consolidated Statements of Cash Flows for the Nine Months Ended
    September 30, 2002 and 2001

Selected Notes to Consolidated Financial Statements


Item 2. Management's Discussion and Analysis or Plan of Operations

Item 3. Controls and Procedures




PART II   OTHER INFORMATION

Item 1. Legal Proceedings

Item 2. Changes in Securities

Item 3. Defaults Upon Senior Securities

Item 4. Submission of Matters to a Vote of Security Holders

Item 5. Other Information

Item 6. Exhibits and Reports on Form 8-K


Signatures

Certifications














<page>



                    TANGENT SOLUTIONS, INC. AND SUBSIDIARIES
                          CONSOLIDATED BALANCE SHEET
                             SEPTEMBER 30, 2002
                                 (Unaudited)


ASSETS

Current Assets:

Cash and cash equivalents                                  $     23,220
Accounts receivable, net of allowance
        for doubtful accounts of $139,906                        37,037
                                                            ------------

Other current assets                                              ----

Current assets of discontinued operations                         ----

    Total current assets                                         60,257

Property and equipment, net of accumulated
        depreciation of $7,740                                   43,858
                                                            ------------

    Total assets                                           $    104,115
                                                           =============

LIABILITIES AND STOCKHOLDERS' DEFICIT

Current Liabilities:

Current maturities of long term obligations                 $   185,222
Accounts payable and accrued expenses                           275,131
Deferred revenue                                                133,110
Net liabilities of discontinued operations                      172,301
                                                            ------------

Other current liabilities                                         ----

    Total current liabilities                                   765,764

Long term obligations, net of current maturities                 82,987
                                                            ------------

    Total liabilities                                           848,751
                                                            ------------

Stockholders' Deficit:
    Preferred stock, par value $.001,
        authorized 1,000,000 shares,
        no shares issued and outstanding                          ----
    Common stock, par value $.001,
        100,000,000 shares authorized,
        15,683,883 issued and outstanding                        15,684
    Additional paid-in capital                                8,319,624
    Accumulated deficit                                      (9,079,944)
                                                            ------------

Total stockholders' deficit                                    (744,636)
                                                            ------------

Total liabilities and stockholders' deficit                 $   104,115
                                                            ============

See accompanying notes to consolidated financial statements.
<page>



                         TANGENT SOLUTIONS, INC. AND SUBSIDIARIES
                          CONSOLIDATED STATEMENTS OF OPERATIONS
                                        (Unaudited)



                               Three Months Ended             Nine Months Ended
                                  September 30,                September 30,
                              ----------------------    ------------------------
                                2002          2001         2002          2001
                              ---------   -----------   -----------   ----------
Sales                         $ 341,572   $   287,507   $ 1,027,995   $   73,930
Cost of sales                   123,879        60,030       337,957      274,108
                              ---------   -----------   -----------   ----------

Gross profit                    217,693       227,477       690,038      699,822

Selling, general and
     administrative             230,575     1,140,288       669,790    1,579,503
                              ---------   -----------   -----------   ----------

Income (loss) from continuing
     Operations before other
     income (expense)           (12,882)     (912,811)       20,248    (879,681)
                              ---------   -----------   -----------   ----------

Other income (expense):
Interest income (expense), net  (19,332)        1,754       (30,083)     (8,997)
Other income (expense), net      12,909          ---         15,136        ---
                              ---------   -----------   -----------   ----------

     Total other income
          (expense)              (6,423)        1,754       (14,947)     (8,997)
                              ---------   -----------   -----------   ----------


Income (loss) from continuing
     operations                 (19,305)     (911,057)        5,301    (888,678)

Income (loss) from
     discontinued operations
     (QuickCredit Corp.)       (50,335)      (101,676)      (61,492)    (90,519)
                              ---------   -----------   -----------   ----------

Net income (loss)            $ (69,640)   $(1,012,733)    $ (56,191)  $(979,197)
                              =========    ===========  ===========   ==========

Basic and diluted income
     (loss) per common share:

Net income (loss) from
     continuing operations    $   (0.00)  $     (0.06)    $   0.00    $   (0.06)

Net income (loss) from
     discontinued
     operations               $   (0.00)  $     (0.01)    $  (0.00)   $   (0.01)
                              ---------   -----------   -----------   ----------

Net income (loss) per share   $   (0.00)  $     (0.07)    $  (0.00)   $   (0.06)
                              =========   ===========   ===========   ==========

Weighted average number
     of shares outstanding   15,560,536    15,510,286   15,526,288    15,510,286
                             ==========   ===========   ===========   ==========


              See accompanying notes to consolidated financial statements.


<page>




                      TANGENT SOLUTIONS, INC. AND SUBSIDIARIES
                       CONSOLIDATED STATEMENTS OF CASH FLOWS
                                      (Unaudited)

                                                 Nine Months Ended September 30,
                                                 -------------------------------
                                                     2002               2001
                                                 -----------        ------------

Cash flows from operating activities:
     Net income (loss) from continuing
     operations                                  $     5,301        $  (399,255)

     Adjustments to reconcile net income
     (loss) from continuing operations
     to net cash provided by (used in)
     operating activities:
          Depreciation and amortization                7,740             55,000
          Common stock issued for services            23,158               ---

     Changes in operating assets
     (increase) decrease
          Accounts receivable                         48,924            (37,544)
          Other current assets                         5,577               ---
          Reorganization value                          ---            (113,551)

     Changes in operating liabilities
     increase (decrease)
          Accounts payable and accrued expenses      (65,061)            27,214
          Deferred revenue                            (1,270)             7,980
                                                 -----------        ------------

Cash provided by (used in)
     continuing operations                            24,369           (460,156)
                                                 -----------        ------------

Loss from discontinued operations                    (61,492)           (90,519)
Net increase (decrease) in liabilities
     of discontinued operations                      133,877               ---
                                                 -----------        ------------

Cash provided by (used in)
     discontinued operations                          72,385            (90,519)
                                                 -----------        ------------

Cash provided by (used in)
     operating activities                             96,754           (550,675)
                                                 -----------        ------------

Cash flows from financing activities:
     Repayments of notes payables                   (152,753)           (33,438)
     Repayments of reorganization loan                  ---            (700,000)
     Proceeds from financing                            ---           1,385,000
                                                 -----------        ------------

Net cash flows from financing activities            (152,753)           651,562
                                                 -----------        ------------

Net increase (decrease) in cash                      (55,999)           100,887

Cash -- beginning of year                             79,219            237,139
                                                 -----------        ------------

Cash -- end of period                            $    23,220        $  (338,026)
                                                 ===========        ============


           See accompanying notes to consolidated financial statements.


<page>


                                TANGENT SOLUTIONS, INC.
                        SELECTED NOTES TO FINANCIAL STATEMENTS
                                      (Unaudited)


1.   Basis of Presentation

The accompanying unaudited consolidated financial statements have been prepared
in accordance with accounting principles generally accepted in the United States
of America for interim financial information and with the instructions to Form
10-QSB and Article 10 of Regulation S-X. Accordingly, they do not include all of
the information and footnotes required by accounting principals generally
accepted in the United States of America for complete financial statements.  In
the opinion of management, all adjustments considered necessary for a fair
presentation consisting of normal recurring accruals) have been included.  The
preparation of financial  statements in conformity  with  accounting  principles
generally  accepted by the United States of America requires  management to make
estimates  and  assumptions  that  affect  the  reported  amounts  of assets and
liabilities  and disclosure of contingent  assets and liabilities at the date of
the  financial  statements  and the  reported  amounts of revenues  and expenses
during the reported  period.  Actual results could differ from those estimates.
For further information, refer to the consolidated financial statements and
footnotes thereto included in the Company's Annual Report on Form 10-KSB for the
year ended December 31, 2001.


2.   Business

Tangent  Solutions,   Inc.,  a  Delaware  corporation,   through  its  operating
subsidiaries  (collectively  with  the  subsidiaries,  the  "Company"),  creates
software and  provides  services  primarily  to the mortgage  lending and credit
agency   industries.   The Company also fulfills requests from independent
membership clubs for credit information products.  All of the Company's business
operations are conducted through Engineered Business Systems, Inc. ("EBS"),
Quick Credit Corp. ("QCC"), and Consumer Guardian, Inc. ("CGI").  EBS, acquired
by the Company in December 1996, develops and sells quality control software
products and services for the mortgage and credit industry.  QCC ceased
operations and sold its client base in April of 2002 (see Note 4). CGI is a
wholly owned corporation and was formed by the Company in August 2001 to
specialize in membership club services and consumer credit.  During the quarter
ended September 30, 2002, CGI was inactive.

On  September  1, 2000,  the  Company  and its  subsidiaries  filed a  voluntary
petition for relief under Chapter 11 of the United States Bankruptcy Code in the
United  States  Bankruptcy  Court for the  Southern  District of  Florida.  From
September 1, 2000 through April 30, 2001, the Company operated its business and
managed its affairs as a debtor-in-possession.  The United States Bankruptcy
Court confirmed the joint Plan of Reorganization (the "Plan") on May 1, 2001.
The final decree from the Bankruptcy Court was issued January 15, 2002. All of
the common and preferred stock that was outstanding prior to May 1, 2001 was
cancelled and new shares of common stock were issued in accordance with the
Plan.  Majority holders of the Company's voting shares before May 1, 2001,
received the majority of voting shares after that date.  Therefore, a change of
control did not occur. The Company continued its basis of accounting and did not
adopt fresh start accounting, which would apply if there were a change in
control.


3.  Uncertainty -- Going Concern

The Company's continued long-term existence is dependent upon its ability to
implement its business plan after emerging from bankruptcy on May 1, 2001. The
Company must resolve its liquidity problems, principally by raising capital thru
the sale of equity, increasing sales and achieving profitable operations.  The
Company experienced a profit from continuing operations of $5,301 for the nine
months  ended September 30,  2002.  However, at September 30, 2002, the Company
had a stockholders' deficit of $9,079,944.  Additionally, the QCC subsidiary of
the Company was delinquent on three notes payable payments of approximately
$63,000 at September 30, 2002. These matters raise doubt about the Company's
ability to continue as a going concern.

Management's  plans in regard to this matter are to create  additional  products
and  refine  existing  products,   much  of  which  is  completed  and  awaiting
introduction  to the  marketplace.  It also  plans to expand  its  sales  force,
increase  market  penetration  and  volume of sales and to  further  reduce  its
operating  costs to generate  positive  cash flow (see Note 4). To do this, the
Company must raise equity or be successful in the sale of ACES and or DESC
licenses in order to finance its expansion, and to improve liquidity and sustain
operations.  The financial statements do not include any adjustments that might
result from the outcome of this uncertainty.


4.  Discontinued Operations

On April 23, 2002, the Company elected to close the operations of QCC effective
April 30, 2002 and sell its assets.  On May 16, 2002, the Company sold QCC's
customer list to a competitor.  The sales agreement provided for an initial
payment of $10,000 and monthly payments over the next twelve months based upon a
formula related to the amount of sales generated from the customer list. Because
the future payments are contingent upon sales from the customer list, the sales
price cannot be certain.  The statement of operations has been prepared to show
the effects of the discontinued operation.


5.  Segment Information

Segment information for the nine months ended September 30, 2002 was as follows:

                                                     QCC
                                          EBS   (Discontinued)  Corporate  Total
                                          ----  --------------  ---------  -----

    September 30, 2002
    (in thousands)

Sales ..................................   828          -           200    1,028
Operating income (loss) ................   387          -          (367)      20
Other income (expense)                       3          -            12       18
Depreciation and amortization ..........     -          -             8        8
Total assets ...........................    35          -            60      104
Capital expenditures ...................     -          -             -        -


6. Equity transactions during the quarter.   During the quarter ended September
30, 2002 the Company issued 178,500 shares of its common stock to a consultant
for services rendered.  The Company valued such shares at its opening bid price
when trading commenced or approximately $0.10 per share and recorded
compensation expense of $17,888.  Additionally, the Company issued 52,700 shares
of its common stock to certain of its employees.  Again the shares were valued
at $0.10 per share and according $5,270 in compensation was recorded.

During the quarter ended September 30, 2002 2,532 shares of the Company's
previously issued shares were canceled.


7. New Accounting  Issues.  In April 2002, the FASB issued SFAS No. 145,
"Rescission of FASB Statements No. 4, 44, and 64, Amendment of FASB Statement
No. 13, and Technical Corrections as of April 2002." This standard rescinds SFAS
No. 4, "Reporting Gains and Losses from Extinguishment of Debt," and an
amendment of that Statement, SFAS No. 64, "Extinguishments of Debt Made to
Satisfy Sinking-Fund Requirements" and excludes extraordinary item treatment for
gains and losses associated with the extinguishment of debt that do not meet the
APB Opinion No. 30, "Reporting the Results of Operations - Reporting the Effects
of Disposal of a Segment of a Business, and Extraordinary, Unusual and
Infrequently Occurring Events and Transactions" ("APB 30") criteria. Any gain or
loss on extinguishment of debt that was classified as an extraordinary item in
prior periods presented that does not meet the criteria in APB 30 for
classification as an extraordinary item shall be reclassified. SFAS No. 145 also
amends SFAS No. 13, "Accounting for Leases," as well as other existing
authoritative pronouncements to make various technical corrections, clarify
meanings, or describe their applicability under changed conditions. The Company
is required to adopt SFAS No. 145 effective January 1, 2003 and does not expect
that it will have a material impact on its financial condition or results of
operations.

In June 2002, the FASB issued SFAS No. 146, "Accounting for Costs Associated
with Exit or Disposal Activities." This standard addresses financial accounting
and reporting for costs associated with exit or disposal activities and replaces
Emerging Issues Task Force Issue No. 94-3, "Liability Recognition for Certain
Employee Termination Benefits and Other Costs to Exit an Activity (including
Certain Costs Incurred in a Restructuring)" ("EITF 94-3"). SFAS No. 146 requires
that a liability for costs associated with an exit or disposal activity be
recognized when the liability is incurred. Under EITF 94-3, a liability for exit
costs, as defined in EITF 94-3, was recognized at the date of an entity's
commitment to an exit plan. The provisions of SFAS No. 146 are effective for
exit or disposal activities that are initiated by the Company after December 31,
2002.


<page>


Item 2.   Management's Discussion and Analysis or Plan of Operation

The following discussion of the Company's financial condition and results of
operations should be read in conjunction with the Financial Statements and Notes
thereto, appearing elsewhere in this document.

Statements in this "Management's  Discussion and Analysis of Financial Condition
and Results of Operations" and elsewhere in this document, as well as statements
made in press releases  and/or  statements that may be made by the Company or by
officers,  directors, or employees of the Company acting on the Company's behalf
that are not  statements  of historical  or current  fact,  constitute  "forward
looking  statements"  within the  meaning of the Private  Securities  Litigation
Reform Act 1995.  Such  forward-looking  statements  involve  known and  unknown
risks,  uncertainties,  and other  unknown  factors  that could cause the actual
results of the Company to be materially different from the historical results or
from any future results expressed or implied by such forward looking statements.
In addition to statements that explicitly describe such risks and uncertainties,
readers are urged to consider statements labeled with the terms "believes,"
"belief,"  "expects,"  "intends,"  "anticipates," or "plans" to be uncertain,
forward-looking statements. The forward-looking statements contained herein are
also subject generally to other risk and uncertainties that are described from
time-to-time in the Company's reports and registration statements filed with the
Securities and Exchange Commission.

Critical Accounting Policies

A summary of significant accounting policies is included in Note 2 to the
audited financial statements included in our Annual Report on Form 10-K for the
year ended December 31, 2001.  We believe that the application of these policies
on a consistent basis enables us to provide useful and reliable financial
information about our operating results and financial condition.

The preparation of financial statements in conformity with generally accepted
accounting principles requires management to make estimates and assumptions that
affect the reported amounts of assets and liabilities and disclosure of
contingent assets and liabilities at the date of the financial statements and
the reported amounts of revenues and expenses during the reporting period.
Actual results may differ from those estimates.

Revenue Recognition -- Revenue is recognized when the product is shipped, title
and risk transfers to the customer and collection of the resulting receivable is
reasonably assured.  Revenue from software sales is generally recognized upon
execution of a sales contract, the delivery of the software and completion of
the major portion of the contract requirement. Revenue from maintenance
contracts is amortized over the term of the agreements.

Product development expenses are charged to expense as incurred.  These costs
consist primarily of salaries paid to programmers.


The following table sets forth information on operations for the periods
indicated.

                                  Three Month Consolidation

                                               2002                   2001
                                        -----------------     ------------------
                                            $         %           $         %
                                        ---------   -----     ---------   ------
Sales from continuing operations        $ 341,572    100%     $ 287,507     100%
Cost of sales                             123,879     36%        60,030      21%
Operating Expenses                        230,575     68%     1,140,288     397%
Income (loss) from continuing
    operations                            (19,305)    (5%)     (911,057)  (317%)
Gain (loss) from discontinued
    operations                            (50,335)   (15%)     (101,676)   (35%)
Net income (Loss)                         (69,640)   (20%)   (1,012,733)  (352%)

                                  Nine Month Consolidation

                                               2002                   2001
                                        -----------------     ------------------
                                            $         %           $         %
                                        ---------   -----     ---------   ------
Sales from continuing operations       $1,027,995    100%     $ 973,930     100%
Cost of sales                             337,957     33%       274,108      28%
Operating Expenses                        669,790     65%     1,579,503     162%
Income (loss) from continuing
    operations                              5,301      1%      (888,678)   (91%)
Gain (loss) from discontinued
    operations                            (61,492)    (6%)      (90,519)    (9%)
Net income (Loss)                         (56,191)    (5%)     (979,197)  (101%)


The Company emerged from its Chapter 11 bankruptcy proceeding on May 1, 2001.
Thus, the Company's balance sheets and statements of operations and cash flows
after this date reflect a material change and are not necessarily comparable to
the results for the quarter ended September 30, 2001.


Three Months Ended September 30, 2002 vs. Three Months Ended September 30, 2001

Consolidated

Sales from continuing operations for the three months ended September 30, 2002
were $341,572, an increase of 19% over the $287,507 in continuing operations
sales for the same period in 2001. This increase was primarily due to an
increase in the sales of several EBS software licenses for its ACES(TM) and
DESC(TM) products, which were in the process of revision.

Cost of sales from continuing operations for the quarter ended September 30,
2002 was $123,879 compared to $60,030 for the same period of 2001.  This
increase was primarily a result of increased sales of its EBS quality control
products licenses.

Gross profits for the quarter ended September 30, 2002 from continuing
operations were $217,693, or 64% of revenue, as compared to $227,477, or 79% of
revenue, during the same period in 2001.

Selling,  general and administrative  expenses  from  continuing  operations
decreased to $230,575  for the three  months  ended September 30, 2002 from
$1,140,288 during the same period in 2001, a decrease of $909,713.  This was
primarily due to one time costs associated with our bankruptcy in 2001 and the
general decrease in expenses over the long term implemented by management of the
Company.

The loss from continuing operations for the quarter ended September 30, 2002 was
$19,305, as compared to a loss from continuing operations of $911,057 for the
same quarter in 2001. This represents a decrease of $891,752, attributed to an
increase in sales, and the cut in our operating costs as well as one-time costs
associated with our bankruptcy in 2001. The loss from discontinued operations at
September 30, 2002 was $50,335 as opposed to a loss of $101,676  for the same
period in 2001.


Nine Months Ended September 30, 2002 vs. Nine Months Ended September 30, 2001

Sales from continuing operations for the nine months ended September 30, 2002
were $1,027,995, an increase of 6% over the $973,930 in continuing  operations
sales for the same period in 2001.  This increase was primarily due to two large
sales of EBS software licenses for its ACES(TM) and DESC(TM) products.

Cost of sales from continuing operations for the nine months ended September 30,
2002 was $337,957 compared to $274,108 for the same period of 2001.

Gross profits for the nine months ended September 30, 2002 for continuing
operations were $690,038, or 67% of revenue, as compared to $699,822, or 72% of
revenue, during the same period in 2001.

Selling, general and administrative expenses from continuing operations
decreased to $669,790  for the nine months ended September 30, 2002 from
$1,579,503 during the same period in 2001, a decrease of $909,713.  This was
primarily due to the general decrease in expenses over the long term implemented
by management of the Company as well as one-time costs associated with our
bankruptcy in 2001.

The income from continuing operations for the nine months ended September 30,
2002 was $5,301, as compared to a loss from continuing operations of $888,678
for the same period in 2001.  This represents a decrease of $893,979.  The loss
from discontinued operations at September 30, 2002 was $61,492 as opposed to a
loss of $90,519 for the same period in 2001.

Liquidity.  Currently, the Company is undergoing severe liquidity problems. The
revenue generated in the past four months has not been sufficient to match
expenses.  This is due to a drop in new sales of  software licenses, which
management believes is due to the general economy and the mortgage  banks'
hesitation concerning capital investment in our products, and the usual summer
doldrums. The Company is making additional cuts in its monthly expenses, which
will help the situation somewhat, but only additional new sales will solve the
current liquidity problems. Additional efforts are being made to increase sales,
including interviewing for-commission-only sales personnel. The management team
will also join the sales and marketing team to create new sales revenue.  The
Company has met with many potential investors and investment bankers, but has
not yet received any acceptable or definite commitments for funding the Company.

Management believes that the Company is meeting its business objectives as it
nears completion of its first phase of redevelopment, but is in need of raising
capital to sustain its operations.  The Company was successful in forming a
credible management and sales team that have gained the confidence of outside
investors who have funded the Company to date.  The Company was certified as a
"Secure Facility" by TruSecure and established its IBM partner-in-development
program.  This prompted the Company to re-engineer its EBS Xchange to a level
which management believes will be the premier credit engine in the industry. The
Company has also completed the implementation of its Enterprise Resource
Solution, which allows management the ability to manage its subsidiaries much
more effectively through the integration of its accounting functions and
information delivery. ACES(TM) and DESC(TM) were redeveloped and now contain
many more wanted features and can also deliver credit reports via the internet.
As all the products and services come together, they form a confluence to
deliver better solutions to a greater market base.  The Company is extremely
encouraged by its dynamic marketing and sales group (albeit small) that has
gained the respect and support of Company personnel and has revitalized its
recognition in the mortgage industry and now anticipates new and profitable
contracts to be consummated in the near future. The Company has taken every
precaution in assuring that expenses are kept to a minimum, and as indicated
earlier, salaries have been kept at a modest level and expenses have been
reduced.  The research and development of this past year, as stated above, will
serve as the foundation for additional R&D to continue to improve and upgrade
its proprietary software in the marketplace.  Without a near term solution to
its capital needs, the Company cannot implement its needed marketing strategy.

The Company has incorporated its consumer services business, Consumer Guardian
in 2001.  The Company started this division as a result of market research and
analysis that leads management to believe that there would be strong interest in
its services and products. In the future, this should minimize the impact of the
boom-and-bust cycles of the mortgage industry, which have affected the Company
in the past. The Company is currently preparing a comprehensive identity theft
program, which is scheduled for launch in 2003.  However, there can be no
assurance that the operations of CGI will be successful.

In 2001, the Company joined IBM's Business Partners and ASP Partners-in-
Development programs.  The Company's lead-time in marketing its products should
be greatly reduced. Having access to world-class technology both in hardware and
software development tools gives the Company's products tremendous scalability
and reliability as well as cross platform availability. The Company's ability to
access the IBM laboratories and IBM's development teams will keep the Company on
the leading edge of technology.  The Company will also be able to take advantage
of IBM's vast marketing channels and financing options for the benefit of the
Company's customers. No assurances can be given that the above plans will result
in increased sales and cash flows.

Over 30% of the Company payroll is spent on Research & Development so that it
can develop and re-engineer products for its current markets. This investment is
being made to ensure continuity of the Company's participation in the financial
markets with products that are state-of-the-art and competitive.  The research
and development of this past year, as stated above, will serve as the foundation
for additional R&D to continue to improve and upgrade the Company's proprietary
software in the marketplace.

As the  Company  grows its  recently  introduced  ACES(TM)/ASP  application,  it
expects  that it will need to purchase  additional  IBM  products  and may offer
larger  customers  the option of  purchasing  their own system and placing it in
either the Company's or IBM's secure facility.  These combinations provide new
options and opportunities for the Company.  However, there can be no assurance
that the new options and opportunities will result in increased sales and cash
flows.


Short & Long Term Plans for the Company

The Company embarked on a transformation of its IT infrastructure.  Management
determined that if the Company did not have a reliable and scalable platform
going forward, it could only expect operational and service problems in the
future. It was determined that a secure hardware platform should be implemented.
The IBM iSeries was chosen.  Additionally  a  company-wide  Enterprise  Software
Platform was necessary so that  operations  would be simplified,  along with the
entire  accounting  and  auditing  functions.  The VAI Systems 2000 was chosen.
Because of these changes, the Company will easily move into its e-commerce niche
to become technologically competitive with the current leaders in the Credit
Granting and Consumer Credit industries.  These changes will allow us to
concentrate on gaining market share through smart and effective marketing and an
increased sales effort.  In order to do e-commerce in a secure manner, we have
secured a certification from ICSA, and now have the ability to deliver personal
and confidential information in the most secure manner. However, there can be no
assurance that these actions will increase sales or cash flows or decrease
expenses.

EBS' flagship product, ACES(TM), is regarded by experts as the leading quality
control software package in the mortgage banking industry.  The Company has
released a new and improved version entitled ACES Silver.  This product will be
given to all ACES'98  users at no added  charge,  providing  they  extend  their
software   maintenance  contract  for  three  additional  years.  Most of this
distribution should be completed by year end 2002.  Our  customers  will enjoy
the greater  reliability offered by ACES(TM)  Silver,  and the Company will also
benefit,  both from the reduced  need to  provide  software  maintenance  and
the  additional  recurring revenue  created.  ACES(TM) is now being offered as
an ASP application, which should expand our market. This became available on-
line effective July1, 2002.

During quarter ended June 30, 2002, EBS released its ACES(TM) Gold version,
which offers enhanced features from the predecessor ACES(TM) 2000 version.  The
marketplace has accepted this new release enthusiastically.  Other features are
planned in the  future for both  ACES(TM)  Silver and Gold  versions,  which are
expected to give an  additional  competitive  edge to the  Company,  although no
assurances can be given that this will be the case.

In April 2002, QCC and all of its affiliates were notified by one of the major
repositories that all credit services were being discontinued immediately.
Management of the Company met and decided to sell the QCC customer list after
all other alternatives were evaluated. After a concentrated search, necessitated
by the  inability  to provide  full  service to our  customers,  the Company
sold the QCC customer  list to a  major  competitor  for a sum of  money  to be
paid  over a one-year  period,  the amount to be  determined  by the net  amount
of  business generated by the customer  list. It is estimated by management that
the entire net proceeds to the Company will total between $130,000 to $200,000,
although no assurances can be given that the Company will realize these amounts.
Since Quick Credit had been a drain on the cash flow of the Company since
inception, this event allows the Company to focus on research and development
and marketing of its high margin leading technologies especially ACES Silver and
Gold and ACES Online.

The Company has been working on the redevelopment of the EBS iXchange for
approximately one year.  The basic language conversion, operating system and
databases porting has been completed and now operates on the IBM iSeries under
OS400.  With this leading technology, the iXchange is extremely fast and
reliable, contains more security features than many competitors offerings and
can be sold cheaper than competitors products and still be greatly profitable to
the Company.

The opportunity for great volume of sales cannot be achieved without either a
cash infusion or an increase in sales that can generate the $100,000 cash
necessary to purchase the required IBM iSeries system, and to add a new Xchange
sales team.

The Company has  substantially  reduced SG&A expenses for continuing  operations
for the long  term  and  continues  to seek  additional  reductions.  Management
believes that cash on hand, will barely be sufficient to sustain the Company
during the current quarter.  The Company will be dependent on securing
additional financing.  The  Company is dependent  on sales that must
materialize  as management has once again projected, and sales are vulnerable to
circumstances that are out of  the  Company's  control,  such  as  outside
market  conditions,  world terrorist  incidents,  the health and well-being of
our sales teams or any other unforeseen  barriers.  In order to implement its
marketing strategy, additional capital is required by the Company.  Management
is in discussions with several groups to raise the necessary funding for the
Company, but there can be no assurances that it will result in a financing.


ITEM 3.   CONTROLS AND PROCEDURES

As required by Rule 13a-15 under the Exchange Act, within the 90 days prior to
the filing date of this report, the Company carried out an evaluation of the
effectiveness of the design and operation of the Company's disclosure controls
and procedures. This evaluation was carried out under the supervision and with
the participation of the Company's management, including the Company's Chairman,
Chief Executive Officer and President and the Company's Principal Accounting
Officer. Based upon that evaluation, the Company's Chairman, Chief Executive
Officer and President and the Company's Principal Accounting Officer concluded
that the Company's disclosure controls and procedures are effective.  There have
been no significant changes in the Company's internal controls or in other
factors, which could significantly affect internal controls subsequent to the
date the Company carried out its evaluation.

Disclosure controls and procedures are designed to ensure that information
required to be disclosed in Company reports filed or submitted under the
Exchange Act is recorded, processed, summarized and reported within the time
periods specified in the Securities and Exchange Commission's rules and forms.
Disclosure controls and procedures include, without limitation, controls and
procedures designed to ensure that information required to be disclosed in
Company reports filed under the Exchange Act is accumulated and communicated to
management, including the Company's Chairman, Chief Executive Officer and
President and the Company's Principal Accounting Officer as appropriate, to
allow timely decisions regarding required disclosure.


<page>




PART II      OTHER INFORMATION


Item 1.   Legal Proceedings

From time to time, various claims, charges, and litigation may be asserted or
commenced against the Company arising from, or related to, contractual matters,
intellectual property, personal injury, insurance coverage and personnel and
employment disputes.  The Company may be involved in some litigation that, while
the outcome cannot be predicted with certainty, the Company does not expect to
have a material or adverse effect on the consolidated financial position.  There
are no known or suspected lawsuits against the Company at this time.


Item 2.   Changes in Securities

None.


Item 3.   Defaults on Senior Securities

The Company is delinquent on payments totaling approximately $86,000 on four of
its six notes payable.


Item 4.   Submission of Matters to a Vote of Security Holders

None.


Item 5.   Other Information

None.


Item 6.   Exhibits and Reports on Form 8-K

(a) Exhibits required by item 601 of Regulation S-B

    99.1   Certification by Chief Executive Officer
    99.2   Certification by Principal Accounting Officer

(b) Reports on Form 8-K

    None


<page>



                                     SIGNATURES


In accordance with the requirements of the Exchange Act, the registrant has
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.



                                                      Tangent Solutions, Inc.




Date: December 16, 2002                               By: /s/ Vito A. Bellezza
                                                      ------------------------
                                                      Vito A. Bellezza
                                                      President and CEO
                                                         and Director



<page>


              CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED
               PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Tangent Solutions, Inc. on Form 10-
QSB for the quarter ended September 30, 2002, as filed with the Securities and
Exchange Commission on the date hereof, I, Vito A. Bellezza, the Chief Executive
Officer of the Company, certify, pursuant to and for purposes of 18 U.S.C.
Section 1350, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of
2002, that:

1.    I have reviewed this quarterly report on Form 10-QSB of Tangent Solutions,
      Inc.;

2.   Based on my knowledge, this quarterly report does not contain any untrue
statement of a material fact or omit to state a material fact necessary to make
the statements made, in light of the circumstances under which such statements
were made, not misleading with respect to the period covered by this quarterly
report;

3.  Based on my knowledge, the financial statements and other financial
information included in this quarterly report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this quarterly report;

4.  The registrant's other certifying officer and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act rules 13a-14 and 15d-14) for the registrant and have:

a) designed such disclosure controls and procedures to ensure that material
information relating to the registrant, including its consolidated subsidiaries
is made known to us by others within those entities, particularly during the
period in which this quarterly report is being prepared;

b)  evaluated the effectiveness of the registrant's disclosure controls and
procedures as of a date within 90 days prior to the filing date of this
quarterly report (the "Evaluation Date"); and

c)  presented in this quarterly report our conclusions about the effectiveness
of the disclosure controls and procedures based on our evaluation as of the
Evaluation Date;

5.   The registrant's other certifying officer and I have disclosed, based on
     our most recent evaluation, to the registrant's auditors and the audit
     committee of the registrant's board of directors (or persons performing the
     equivalent function):

a)  all significant deficiencies in the design or operation of internal controls
which could adversely affect the registrant's ability to record, process,
summarize and report financial data and have identified for the registrant's
auditors any material weakness in internal controls; and

b)  any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrant's internal controls; and

6.   The registrant's other certifying officer and I have indicated in this
quarterly report whether or not there were significant changes in internal
controls or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any corrective
actions with regard to significant deficiencies and material weaknesses.


Date: December 16, 2002                         By: /s/ Vito A. Bellezza
                                                ------------------------
                                                Name:  Vito A. Bellezza
                                                Title: Chief Executive Officer
                                                and Principal Accounting Officer


<page>



                                                                    Exhibit 99.1


                                CERTIFICATION PURSUANT TO
                                 18 U.S.C. SECTION 1350,
                                  AS ADOPTED PURSUANT TO
                         SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Tangent Solutions, Inc. (the
"Company") on Form 10-QSB for the period ending September 30, 2002 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Vito A. Bellezza, Chief Executive Officer of the Company, certify, pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

         (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and result of operations of the
Company.

                                                      /s/ Vito A. Bellezza
                                                      --------------------
                                                      Vito A. Bellezza
                                                      Chief Executive Officer
                                                      December 16, 2002


<page>



                                                                    Exhibit 99.2


                               CERTIFICATION PURSUANT TO
                                18 U.S.C. SECTION 1350,
                                AS ADOPTED PURSUANT TO
                      SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Tangent Solutions, Inc. (the
"Company") on Form 10-QSB for the period ending September 30, 2002 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Vito Bellezza, Principal Accounting Officer of the Company, certify, pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

        (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

        (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and result of operations of the
Company.

                                                   /s/ Vito Bellezza
                                                   -----------------
                                                   Vito Bellezza
                                                   Principal Accounting Officer
                                                   December 16, 2002