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                                                                    EXHIBIT 10.1

                         AMENDMENT #4 TO LOAN AGREEMENT

      THIS AMENDMENT #4 TO LOAN AGREEMENT (this "AMENDMENT") is entered into as
of June 28, 2004 among CHOICEPOINT FINANCIAL INC., a Delaware corporation
("BORROWER"), CHOICEPOINT INC., a Georgia corporation, in its capacity as the
initial servicer (in such capacity, together with its successors and permitted
assigns in such capacity, the "SERVICER"), THREE PILLARS FUNDING LLC (formerly
known as Three Pillars Funding Corporation), a Delaware limited liability
company (together with its successors and permitted assigns, "LENDER"), and
SUNTRUST CAPITAL MARKETS, INC. (formerly known as SunTrust Equitable Securities
Corporation), a Tennessee corporation, as agent and administrator for Lender (in
such capacity, together with its successor and assigns in such capacity, the
"ADMINISTRATOR") and pertains to the Loan Agreement among the parties hereto
dated as of July 2, 2001 (the "EXISTING AGREEMENT"). Capitalized terms used and
not otherwise defined herein are used with the meanings attributed thereto in
the Existing Agreement.

                                   BACKGROUND

      WHEREAS, Borrower desires that Lender agree to a certain amendment to the
Existing Agreement; and

      WHEREAS, Lender is willing to agree to such amendment on the terms and
subject to the conditions set forth in this Amendment;

      NOW THEREFORE, in consideration of the promises and mutual agreements
herein contained, the parties hereto agree as follows:

      1. AMENDMENT TO NAME OF LENDER. All references in the Existing Agreement
to "Three Pillars Funding Corporation" are hereby deleted and replaced with
"Three Pillars Funding LLC". Three Pillars Funding LLC is a Delaware limited
liability company.

      2. AMENDMENTS TO SECTION 1.1 OF THE EXISTING AGREEMENT. The definitions of
"LIQUIDITY TERMINATION DATE" and "SCHEDULED COMMITMENT TERMINATION DATE" are
hereby amended to delete "June 28, 2004" where it appears and to substitute in
lieu thereof "June 27, 2005."

      3. CONDITIONS PRECEDENT. This Amendment shall become effective as of the
date first above written upon receipt by the Lender of:

            (a) a counterpart hereof duly executed by each of the parties
hereto, and

            (b) receipt by the Lender of an Amended and Restated Fee Letter
increasing the Administrative Fee (as defined therein) from 0.025% per annum to
0.050% per annum.

      4. CONTINUING EFFECT. Except as expressly amended above, the Existing
Agreement remains unaltered and in full force and effect and is hereby ratified
and confirmed.

      5. BINDING EFFECT. This Amendment shall become effective when it shall
have been executed and delivered by each of the parties hereto and thereafter
shall be binding upon and

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inure to the benefit of Borrower, Servicer, Lender and Administrator and their
respective successors and assigns.

      6. EXPENSES. Borrower agrees to pay all reasonable costs and expenses
incurred by Lender and Administrator in connection with the preparation,
execution, delivery, administration and enforcement of, or any breach of this
Amendment, including without limitation the reasonable fees and expenses of
counsel.

      7. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK (WITHOUT GIVING EFFECT TO THE
CONFLICT OF LAWS PRINCIPLES THEREOF (OTHER THAN SECTION 5-1401 OF THE NEW YORK
GENERAL OBLIGATIONS LAW)).

      8. COUNTERPARTS. This Amendment may be executed in any number of
counterparts, each of which when so executed shall be deemed to be an original
and all of which when taken together shall constitute one and the same
agreement. Delivery of an executed counterpart of a signature page to this
Amendment by facsimile shall be effective as delivery of a manually executed
counterpart of this Amendment.

                            <signature page follows>

                                       2
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                                                                    EXHIBIT 10.1

      IN WITNESS WHEREOF, the parties have caused this Amendment to be executed
by their respective officers thereunto duly authorized, as of the date first
above written.

                                   THREE PILLARS FUNDING LLC, AS LENDER

                                   By:      /s/ Douglas K. Johnson
                                       ---------------------------------------
                                   Name:             Douglas K. Johnson
                                   Title:               President

                                   SUNTRUST CAPITAL MARKETS, INC., AS
                                   ADMINISTRATOR

                                   By:      /s/ David H. Eidson
                                       ---------------------------------------
                                   Name:             David H. Eidson
                                   Title:            Senior Vice President

                                            SunTrust Capital Markets, Inc.

                                   CHOICEPOINT FINANCIAL INC., AS BORROWER

                                   By:               /s/ David E. Trine
                                       ---------------------------------------
                                   Name:             David E. Trine
                                   Title:            Treasurer

                                   CHOICEPOINT INC., AS INITIAL SERVICER

                                   By:               /s/ David E. Trine
                                       ---------------------------------------
                                   Name:             David E. Trine
                                   Title:            Treasurer

                                       3