|            |             
|----------- | ------------
|            | Exhibit 99.5
|           
|CERTIFICATE

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|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|I,  Kenneth P. Reynolds,  a Senior Vice President  and Chief Financial Officer in charge of the servicingfunction of The CIT Group/Consumer Finance, Inc., as servicer for CIT Home Equity Loan Trust 2002-2, certify that:
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|1.                                                                                                                                                                                                                         
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|2.                                                                                                                                                                                                                         
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|3.                                                                                                                                                                                                                         
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|4.                                                                                                                                                                                                                         
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|5.                                                                                                                                                                                                                         

|       |  |                                                
|------ |  | -----------------------------------------------
|Date:  |  | March 29, 2005                                 
|       |  |                                                
|       |  | /s/ Kenneth P. Reynolds                        
|       |  |                                    
|Name:  |  | Kenneth P. Reynolds                            
|Title: |  | Senior Vice President & Chief Financial Officer
|       |  | The CIT Group/Consumer Finance, Inc.           

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