SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                  FORM 10-KSB/A

                                 AMENDMENT NO. 1

: Annual Report pursuant to Section 13 or 15(d) of the Securities Exchange Act
  of 1934 for the fiscal year ended December 31, 1999

  Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange
  Act of 1934--N/A

                           Commission File No. 0-24205

                               FACTUAL DATA CORP.
              ----------------------------------------------------
              (Exact name of Small Business Issuer in its charter)

           Colorado                                       84-1449911
-----------------------------------          ----------------------------------
(State or other jurisdiction of             (I.R.S. Employer Identification No.)
 incorporation or organization)

                 5200 Hahns Peak Drive, Loveland, Colorado 80538
               ---------------------------------------------------
               (Address of principal executive offices) (Zip code)

                                 (970) 663-5700
                          ----------------------------
              (Registrant's telephone number, including area code)

        Securities Registered Pursuant to Section 12(b) of the Act: None.
           Securities Registered Pursuant to Section 12(g) of the Act:

                                  Common Stock
                                       and
                        Warrants to Purchase Common Stock
                       -----------------------------------
                               (Title of Classes)

Check whether the Registrant (1) has filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding
12 months (or for such shorter period that the Registrant was required to file
such reports), and (2) has been subject to such filing requirements for the past
90 days. Yes [ X ] No [ ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-B is not contained herein, and will not be contained, to the
best of Registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-KSB or any amendment to
this Form 10-KSB. [ ]

The aggregate market value of the voting common equity held by non-affiliates of
the Registrant on March 27, 2000, was approximately $15,765,420 based upon the
reported closing sale price of such shares on the Nasdaq National Market for
that date. As of March 27, 2000, there were 5,380,103 shares outstanding of
which 1,910,960 are held by non-affiliates.

                   DOCUMENTS INCORPORATED BY REFERENCE: -NONE-


<PAGE>




                               FACTUAL DATA CORP.
                        1999 Annual Report on Form 10-KSB

                                 Amendment No. 1

        The Company hereby amends its 1999 Annual Report on Form 10-KSB to add
an exhibit to paragraph (a)(3) of Item 13.

Item 13. Exhibits and Reports on Form 8-K.
-------  --------------------------------

         (a) Exhibits Filed Herewith or Incorporated by Reference to Previous
             Filings with the Securities and Exchange Commission:

         Exhibit
          Number                Description
       ----------               --------------
           23                   Consent of Ehrhardt Keefe Steiner & Hottman PC
                                 (filed herewith)



<PAGE>



                                   SIGNATURES

        In accordance with Section 13 or 15(d) of the Securities Exchange
Act of 1934, the Registrant duly caused this Amendment No. 1 to the Annual
Report on Form 10-KSB to be signed on its behalf by the undersigned, thereunto
duly authorized.

                                                FACTUAL DATA CORP.

Date:  May 8, 2000                              By: /s/ J.H. Donnan
                                                --------------------------------
                                                J.H. Donnan, Chairman, President
                                                and Chief Executive Officer

        In accordance with the Securities Exchange Act of 1934, this Amendment
No. 1 to the Annual Report on Form 10-KSB has been signed by the following
persons on behalf of the Registrant and in the capacities and on the dates
indicated.
<TABLE>
<CAPTION>

      Signature                                     Title                        Date
---------------------              ------------------------------------       -----------
<S>                                <C>                                        <C>

/s/ J.H. Donnan                    Chairman of the Board of Directors,        May 8, 2000
---------------------              President and Chief Executive Officer
J.H. Donnan                        (Principal Executive Officer)

/s/ Todd A. Neiberger               Chief Financial Officer and a Director    May 8, 2000
---------------------               (Principal Financial and Accounting
Todd A. Neiberger                   Officer)

/s/ James N. Donnan                 Vice President and a Director             May 8, 2000
---------------------
James N. Donnan

/s/ Robert J. Terry                 Director                                  May 8, 2000
---------------------
Robert J. Terry

/s/ Abdul H. Rajput                 Director                                  May 8, 2000
---------------------
Abdul H. Rajput

Daniel G. Helle                     Director                                  May 8, 2000

J. Barton Goodwin                   Director                                  May 8, 2000

</TABLE>


<PAGE>


                                  EXHIBIT INDEX

Exhibit
  No.                      Description
---------                  -----------
23                         Consent of Ehrhardt Keefe Steiner & Hottman PC