<PAGE>   1

                                                                    EXHIBIT 10.5

                              AGREEMENT FOR SERVICE


Client_________________________________ Account #_______________________________

Address ________________________________________________________________________

City __________________________________ State ________________ Zip _____________

Additional locations covered by this agreement: ________________________________

Intended use of credit reports: ________________________________________________


The undersigned Client, desiring to receive consumer credit reports from
TrueLink, Inc. ("TrueLink") utilizing consumer credit information from Equifax
Credit Information Services ("ECIS") and/or Trans Union Credit Information
Services ("TU"), and/or EXPERIEN Information Services (formerly known as TRW)
("EXPERIEN") (hereinafter "Repository(ies)"), agrees that all consumer credit
reports will be received subject to the following conditions:

I.      Client certifies that consumer credit information, as defined by the
        Fair Credit Reporting Act ("FCRA") 15 U.S.C. 1681 et seq., will be
        ordered only in connection with a business transaction involving a
        consumer. This transaction must be a "permissible purpose" under the
        FCRA. Consumer credit information will be requested only for our
        exclusive use and held in strict confidence, and will not be disclosed
        to any third party, except as required by law, and will not be resold.
        Our employees will be forbidden from attempting to obtain credit reports
        on themselves, associates or any other persons, except in the exercise
        of their official duties. Credit reports will not be ordered for
        employment purposes. Client will receive and retain a signed
        authorization form from each consumer before Client orders a credit
        report.

        Client agrees to direct any credit report consumer inquiries to TrueLink
        and to the applicable Repository(ies), all pursuant to the FCRA.

        Client has read and acknowledged TrueLink's access security
        requirements.

        Client agrees to hold TrueLink, Repositories, and their agents harmless
        from any expense or damage arising or resulting from the improper use or
        disclosure of consumer credit information contrary to these conditions
        or the FCRA, by Client, our employees or agents.

II.     TrueLink, Repositories, and their agents, employees, and independent
        contractors will use good faith efforts in attempting to obtain consumer
        credit information from sources deemed reliable but does not guarantee
        the accuracy of the reported information. TRUELINK AND THE
        REPOSITORY(IES) WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR
        DAMAGES CAUSED BY ANY OF ITS AGENTS AND EMPLOYEES IN CONNECTION WITH THE
        PREPARATION OF CREDIT REPORTS EXCEPT FOR INSTANCES OF GROSS NEGLECT,
        RECKLESSNESS OR WILFUL MISCONDUCT.



<PAGE>   2

III.    If Client elects to communicate with TrueLink's computer system, Client
        will have equipment that enables it to order and/or receive credit
        reports from TrueLink, and agree that such equipment will be operated
        only by Client's designated employees who shall have read and understood
        the training information provided by TrueLink. Client agrees to take all
        necessary measures to prevent unauthorized use of this equipment by any
        person other than our designated employees. CLIENT AGREES THAT, WITH
        REGARD TO THE OPERATION OF OUR EQUIPMENT, TRUELINK AND REPOSITORY(IES)
        AND ALL OF THEIR AGENTS SHALL NOT BE LIABLE FOR TRANSMISSION DISTORTION,
        INTERRUPTIONS OR FAILURE, OR FOR ANY RESULTING CONSEQUENTIAL OR SPECIAL
        DAMAGES WHATSOEVER.

IV.     Client agrees that any creditworthiness score ("Score") received from
        TrueLink is not intended to be and shall not be the only factor in
        deciding to grant or deny credit. CLIENT UNDERSTANDS THAT THE ACCURACY
        OF ANY SCORE IS NOT GUARANTEED BY TRUELINK AND, EXCEPT FOR AN AMOUNT
        EQUAL TO WHAT CLIENT PAID TRUELINK FOR SUCH SCORE, CLIENT RELEASES
        TRUELINK AND ITS AGENTS, EMPLOYEES AND INDEPENDENT CONTRACTORS FROM
        LIABILITY FOR NEGLIGENCE IN THE PREPARATION AND DELIVERY OF THE SCORE
        AND FROM ANY LOSS OR EXPENSE SUFFERED BY US RESULTING DIRECTLY OR
        INDIRECTLY FROM THAT SCORE EXCEPT FOR INSTANCES OF GROSS NEGLECT.

V.      Client agrees to pay in full, according to TrueLink's payment terms, as
        they may vary from time to time, plus interest at 10% per annum for
        overdue amounts and all attorney fees for collecting from us.

VI.     If applicable, Client agrees to comply with the Real Estate Settlement
        Procedures Act ("RESPA"), 27 U.S.C. 2601 et. seq., and specifically with
        the anti-kickback prohibitions contained therein.

VII.    A five day written notice by either party sent first class mail will
        cancel this agreement, but the obligations and agreements of the
        undersigned set forth in sections I, II, III, IV and V above will remain
        in force.

VIII.   No changes may be made to this agreement and the addendum hereto, except
        in writing by the parties hereto. The person signing this agreement on
        behalf of the Client is a duly authorized representative of Client with
        all powers required to execute this agreement.



                                       2
<PAGE>   3

                                FCRA REQUIREMENTS
          Federal Fair Credit Reporting Act (FCRA - Public Law 91-508)

Although the FCRA primarily regulates the operations of consumer credit
reporting agencies, it also affects you as the user of information. We suggest
that you and your employees become familiar with the following sections of the
FCRA in particular:

          Section 604.  Permissible Purposes of Reports.
          Section 610.  Conditions and form of disclosure to consumers.
          Section 615.  Requirements on users of consumer reports.
          Section 616.  Civil liability for willful noncompliance.
          Section 617.  Civil liability for negligent noncompliance.
          Section 619.  Obtaining information under false pretenses.
          Section 620.  Unauthorized disclosures by officers or employees.

Each of these is of direct consequence to users who obtain reports on consumers.

As directed by law, credit reports may be issued only if they are to be used for
extending credit, review or collection of an account, underwriting insurance or
in connection with some other legitimate business transaction such as an
investment, partnership, etc.

TrueLink strongly endorses the letter and spirit of the Federal Fair Credit
Reporting Act. We believe that this law and similar state laws recognize and
preserve the delicate balance between the rights of the consumer and the
legitimate needs of commerce.

In addition to the Federal Fair Credit Reporting Act, other federal and state
laws addressing such topics as computer crime and unauthorized access to
protected databases have also been enacted. As a prospective user of consumer
reports, we expect that you and your staff will comply with all relevant federal
statutes and the statutes and regulations of the states in which you operate.

We support consumer reporting legislation that will ensure fair and equitable
treatment for all consumers and users of credit information.

                          ACCESS SECURITY REQUIREMENTS

It is a requirement that all end users take precautions to secure any system or
device used to access consumer credit information. To that end, the following
requirements have been established:

        o       Your account number and password must be protected in such a way
                that this sensitive information is known only to key personnel.
                Under no circumstances should unauthorized persons have
                knowledge of your password. The information should not be posted
                in any manner within your facility.

        o       Any system access software you may use, whether developed by
                your company or purchased from a third party vendor, must have
                your account number and password "hidden" or embedded so that
                the password is known only to supervisory personnel. Each user
                of your system access software must then be assigned unique
                log-on passwords.



                                       3
<PAGE>   4

        o       Your account number and passwords are not to be discussed by
                telephone to any unknown caller, even if the caller claims to be
                an employee.

        o       The ability to obtain credit information must be restricted to a
                few key personnel.

        o       Any terminal devices used to obtain credit information should be
                placed in a secure location within your facility. Access to the
                devices should be difficult for unauthorized persons.

        o       Any devices/systems used to obtain consumer reports should be
                turned off and locked after normal business hours, when
                unattended by your key personnel.

        o       Hard copies and electronic files of consumer reports are to be
                secured within your facility and protected against release or
                disclosure to unauthorized persons.

        o       Hard copy consumer reports are to be shredded or destroyed,
                rendered unreadable, when no longer needed and when it is
                permitted to do so by applicable regulation(s).

        o       Electronic files containing consumer report data and/or
                information will be completely erased or rendered unreadable
                when no longer needed and when destruction is permitted by
                applicable regulation(s).

        o       Software cannot be removed or copied. Software is issued
                explicitly to the company for credit reporting purposes only.

ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A
CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES, SHALL BE FINED NOT MORE THAN
$5,000 OR IMPRISONED NOT MORE THAN ONE YEAR, OR BOTH.


TO BE COMPLETED BY CLIENT


Accepted by:______________________________________ Title:_______________________
            Mortgage Logic.com, Inc.


Signature_________________________________________ Date:________________________


TO BE COMPLETED BY CLIENT

Accepted by:______________________________________ Title:_______________________
            BNC Mortgage, Inc.

Signature_________________________________________ Date:________________________


TO BE COMPLETED BY TRUELINK, INC.

Accepted by:______________________________________ Title:_______________________


Signature_________________________________________ Date:________________________



                                       4
<PAGE>   5

                                CONTRACT ADDENDUM

[To be added as required by each investor]

                                        Date:___________________________________




                                       5