EXHIBIT 10.3.1

                                    RESELLER
                                SERVICE AGREEMENT

     This  Agreement  is made this 25 day of  September,  1997,  by and  between
Avert, Inc.  (hereinafter referred to as "Reseller") and Trans Union Corporation
(hereinafter  referred  to as "Trans  Union")  to provide  for credit  reporting
services.

          WHEREAS,  Reseller is in the  business of obtaining  consumer  reports
from  third  party  sources  and  providing  credit  reporting  services  to its
customers ("Reselling"); and

          WHEREAS,  Trans  Union  owns and  maintains  a  national  database  of
consumer credit information; and

          WHEREAS,  Reseller  desires  to Resell  Trans  Union  consumer  credit
reports,  or information  therefrom,  to users of reports who have a permissible
purpose.

          NOW  THEREFORE,  in  consideration  of the  premises  and  the  mutual
benefits expressed herein, the parties agree as follows:

I. Reseller Responsibilities

     A.   Reseller  shall provide Trans Union  consumer  reports or  information
          from Trans Union consumer  reorts only to users who have a permissible
          purpose for obtaining  consumer reports,  as defined by Section 604 of
          the Federal Credit  Reporting Act (15 USC 1681b),  hereinafter  called
          "FCRA." Such users shall be provided  access to the Trans Union credit
          reporting system or data therefrom may be transferred  without change,
          may be reformatted  by Reseller,  or may be merged with those obtained
          from other consumer reporting agencies (Merged Reports).

     B.   Reseller shall obtain Subscriber  Agreements from such users,  wherein
          each user will state the nature of its business,  certify the specific
          purpose for which  consumer  reports will be obtained,  and agree that
          reports  will be  obtained  for no  other  purpose.  The  permissiable
          purpose specified shall be one or more of the following:

          1.   In connection with a credit transaction involving the consumer on
               whom  the  information  is  to be  furnished  and  involving  the
               extension of credit to, or review or  collection of an account of
               the consumer; or

          2.   For  employment  purposes,  in  which  case the  Subscriber  must
               execute an agreement in substantially  the same format as Exhibit
               A hereto; or

                        PLEASE SEE AVERT USER AGREEEMENTS

          3.   In connection with the  underwriting  of insurance  involving the
               consumer; or

 4. For tenant screening purposes.

     A.   Reseller  may  advertise  its  services  on the  Internet  or  another
          proprietary  computer  system.  However,  reports  may not be sold and
          delivered on a public computer network. In the event Reseller believes
          that adequate  security has been established to permit on line network
          or  Internet  access,  with  no  risk  of any  party  other  than  the
          appropriate party obtaining an individual's consumer report,  Reseller

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          shall apply to Trans Union for  approval of its  security  procedures.
          Approval  must then be  obtained  from Tran  Union's  computer  access
          Security  Department,  in  writing,  before  any  such  deliveries  of
          consumer  reports  can occur.  Failure to obtain  such prior  approval
          shall result in termination of this Agreement.

     B.   Reseller shall not sell Trans Union consumer reports to customers that
          are private investigative agencies,  detective agencies, or law firms.
          Reseller shall take the following  steps to verify the identify of its
          customers  who will obtain Trans Union credit  reports or  information
          therefrom to make certain that none are such agencies:

          1.   Confirm that the stated purpose for obtaining consumer reports is
               compatible  with the type of busines  conducted by the  potential
               customer.

          2.   Conduct a physical inspection of the company's premises to assure
               that it is a legitimate  business  facility (not a residence) and
               that the  furnishings,  etc. are  commensurate  with the size and
               purported type of business,  and in order to determine if it is a
               detective agency, private investigative agency, security service,
               investigator,  law firm, or other  unauthorized  user.  This is a
               material requirements of this Agreement.

          3.   Confirm  that   advertisements   or  signs  are  compatible  with
               purported business.

          4.   Verify that the company has a business  checking account and that
               the account balance is compatible with the size and nature of the
               company.

          5.   Verify business  references to ensure that the potential customer
               has clientele which would support the stated business.

          6.   Verify  business phone numbers by checking the phone directory or
               other phone records.

          7.   Check the yellow  pages  listings for the area where the customer
               is located, under the following types of businesses to see if the
               prospective customer is listed:

                     a) Detective Agencies
                     b) Private Investigators
                     c) Security Services
                     d) Investigators
                     e) Lawyers or Attorneys At Law

          8.   Theactions  taken to verify the type of customer  will be notated
               on  the   Subscriber   Agreement.   Records  which  document  the
               investigation,  and the Subscriber Agreement, must be retained as
               long as the  customer  continues  to maintain  access and for two
               years thereafter.  Those records (or copies thereof) must be made
               available to appropriate Trans Union personnel on request.


A.   If,  as a result  of the  verifications  outlined  above,  the  prospective
     customer is found to be a detective agency,  private  investigative agency,
     security  service,  investigator,  or law  firm,  or is  found  to  have no
     permissible  purpose to obtain credit reports,  no agreement will be signed
     and no subscriber number will be issued.

B.   No customer of Reseller shall be a government law  enforcement  agency.  C.
     Reseller  shall not sell  consumer  reports  or  information  therefrom  to
     another  reseller.  D. Trans  Union  reserves  the right to  terminate  any
     customer of Reseller at any time with or without notice.

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II. Merged Report Guidelines

     Reseller agrees to adhere to the following  guidelines when it sells Merged
Consumer Reports:

          1)   Reseller shall comply with the  requirements of FCRA dealing with
               consumer disclosure, interviews and reinvestigation procedures.
          2)   Reseller shall retain each Merged Report so that it can provide a
               consumer disclosure as required by FCRA.
          3)   Reseller  shall be able to easily  identify the source(s) of each
               element of data in the Merged Report.  Consumer  disclosures must
               clearly show this data as it was  originally  reported by each of
               the sources when providing the consumer disclosure.
          4)   When a customer  of the  Reseller  requests  and reviews a Merged
               Report and the consumer is denied credit based on  information in
               that Report,  the consumer must be referred to the Reseller for a
               complete disclosure.
          5)   In making a  disclosure,  the  Reseller  will  provide the names,
               addresses and telephone numbers of the consumer  reporting agency
               that was used to provide information for the report.
          6)   In making a  disclosure,  the  Reseller  must advise the consumer
               about  her/his  FCRA  rights  to  dispute  information  with  the
               appropriate  source credit bureau,  to requrest  reinvestigation,
               and to have corrected reports issued to previous recipients.
          7)   Reseller  must obtain  information  from  sources  other than the
               applicant. The Reseller must obtain information from a minimum of
               two national consumer reporting agencies.  Separate inquiries are
               necessary  when  the  co-borrowers  have  individualloy  obtained
               credit.
          8)   The Merged  Report must  contain the date the report was created,
               the name,  address,  and phone number of the  consumer  reporting
               agency which prepared the Merged  Report.  The Merged Report must
               show the names of the repository(ies)  from which the information
               was obtained and must identify the organization  that ordered the
               Merged Report.
          9)   Once the merge logic is applied,  the Merged  Report must contain
               the following list of tradeline or credit grantor information for
               each  tradeline if it was  furnished by one or more of the credit
               reporting agencies.

                    a. Account  Name
                    b. Account  Number
                    c. Date Reported
                    d. Date Opened
                    e. Type of Account
                    f. Current Status
                    g. Current  Balance
                    h. High Credit (Credit Limit)
                    i. Terms (Payment)
                    j.  Historical Status
                    k. Inquiries
                    l. Account Association Code

III. Trans Union Responsibilities

     A.   Trans  Union shall  maintain  credit  information  on  individuals  as
          furnished by its subscribers or obtained from other available sources.

     B.   Trans  Union shall use good faith in  obtaining  and  assembling  such
          information from sources deemed  reliable,  but does not guarantee the
          accuracy  of any  information  reported,  and  TRANS  UNION  MAKES  NO
          WARRANTIES,  EXPRESS OR  IMPLIED,  INCLUDING  BUT NOT  LIMITED TO, THE


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          IMPLIED  WARRANTIES  OF  MERCHANTABILITY  OR FITNESS FOR A  PARTICULAR
          PURPOSE, RESPECTING THE ACCURACY OF ANY TRANS UNION CREDIT INFORMATION
          FURNISHED  BY  TRANS  UNION  TO  RESELLER  OR TO  ANY  SUBSCRIBERS  OF
          RESELLERS.  IN NO EVENT SHALL TRANS UNION BE LIABLE TO RESELLER IN ANY
          MANNER  WHATSOEVER  FOR ANY LOSS OR INJURY TO RESELLER  RESULTING FROM
          THE OBTAINING OR FURNISHING OF CREDIT REPORTS AND,  FURTHER,  RESELLER
          AGREES TO HOLD TRANS UNION  HARMLESS AND INDEMNIFY IT FROM ANY AND ALL
          CLAIMS, LOSSES AND DAMAGES ARISING OUT OF THE ISSUANCE OF SUCH REPORTS
          OR THE FAILURE OF RESELLER TO KEEP AND PERFORM ANY OF ITS  OBLIGATIONS
          DESCRIBED HEREIN.

IV. Identify End User


     A.   Reseller  shall  provide to Trans Union as to each  customer  who will
          obtain Trans Union credit reports or information therefrom as a result
          of Reseller's  solicitation,  its identity by subscriber number, name,
          address and telephone  number,  and the permissible  purpose for which
          each report is sought,  so that such  information  may be noted on the
          report for the  consumer  who is the  subject of the report  accessed.
          Such end user  identification  shall be made by either  Option  (1) or
          Optionn (2) below, as indicated by Subscriber.  Failure of Reseller to
          comply  with the  requirements  of this  Section  IV shall  result  in
          termination of this  Agreement.

          []   Option (1):  Each  customer  signed up by Reseller may access the
               Trans Union system after  appropriate  identification  procedures
               have been  established,  and a  separate  customer  code shall be
               issued for each customer. When such code is established, Reseller
               shall  provide  Trans Union with the  customer's  name,  address,
               telephone number,  and the permissible  purpose for which reports
               will be accessed.  If the customer  intends to access reports for
               more than one permissible purpose,  separate codes will be issued
               to enable  Trans Union to identify  the  permissible  purpose for
               each access to a consumer report; or

          []   Option (2): the customer  name and  permissible  purpose shall be
               identified by inquiry on each consumer report accessed.  Reseller
               agrees to establish  and provide  Trans Union a toll free number,
               which  will be  answered  between  the hours of 9 a.m.  to 5 p.m.
               Monday through Friday,  exclusive of federal holidays, that Trans
               Union can call to obtain the  customer's  address  and  telephone
               number.

     B.   If any current  customers of Reseller have been assigned a Trans Union
          access code,  they shall be identified,  and Reseller shall  determine
          that the  certifications  required  herein  and all other  obligations
          stated  herein are complied with by such  customers.  All detective or
          investigative  agencies,  government law enforcement  agencies, or law
          firms who have an access  code for the Trans  Union  system,  shall be
          terminated  and  access to the  Trans  Union  system by them  shall be
          canceled.

V. Fees & Chages

     A.   Reseller  shall pay to Trans Union for each access by it or one of its
          customers  the  price  then in effect  for the type of  credit  report
          ordered.  Trans Union shall have no  obligation to collect any account
          owing from Reseller's customers.

     B.   Trans Union shall provide monthly  invoices to Reseller for all access
          by it or  Reseller's  customers,  and such  invoices  shall be paid by
          Reseller  within  thirty (3) days of receipt.  Past due amounts  shall
          accrue interest at the rate of 1.5% per month.  If collection  efforts
          are  required,  Reseller  shall be liable for all cost of  collection,
          including reasonable attorney's fees.


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VI. Miscellaneous

     A.   This Agreement  shall remain in force and effect for one (1) year from
          the date hereof, and thereafter,  from year to year, on the same basis
          as set  forth  herein,  except  that  either  party  may  cancel  this
          Agreement at any time upon at least sixty (60) days notice,  and Trans
          Union may cancel this Agreement or any customer  solicited by Reseller
          immediately if it determines  that the  requirements of this Agreement
          or any law have not been  met.  Trans  Union may also  terminate  this
          Agreement  immediately  without  notice if invoices  hereunder are not
          paid as of the due date.

     B.   The parties hereto agree that this instrument is the full and complete
          Agreement between them regarding the furnishing of credit information,
          supersedes  all  prior  agreements  or  discussions,  and is not to be
          altered, varied, or enlarged upon by any verbal promises,  statements,
          or representations not expressed herein.

     C.   The  parties  acknowledge  the  special  and unique  purposes  of this
          Agreement  and,  therefore,  agree  that,  notwithstanding  any  other
          provisions to the contrary  contained in this Agreement,  neither this
          Agreement  nor any of the  rights or  obligations  hereunder  shall be
          assignable  by  Reseller  without the prior  written  consent of Trans
          Union.

     D.   Each of the parties to this Agreement are independent  contractors and
          nothing  contained in this Agreement  shall be construed as creating a
          joint  venture,  partnership,  licensor-licensee,  prinicpal-agent  or
          mutual agency relationship  between or among the parties hereto and no
          party shall, by virtue of this  Agreement,  have any right or power to
          create  any  obligation,  express or  implied,  on behalf of any other
          party. No party, nor any employee of a party, shall be deemed to be an
          employee of the other party by virtue of this Agreement.

Agreed to on the date first above written.

Trans Union Corporation                        Reseller Name:  Avert, Inc.

By:                                            By:  /s Jamie M. Burgat
   --------------------------------               ------------------------------
Print Name                                     Print Name:  Jamie M. Burgat
           ------------------------                        ---------------------
Title                                          Title:  V.P. Operations/Treasurer
      -----------------------------                  ---------------------------

                                               Reseller Address:  301 Remington
                                               Fort Collins, CO 80524