Document:

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                                                                    EXHIBIT 10.1

                                 FIRST AMENDMENT
                                       TO
                      AMENDED AND RESTATED CREDIT AGREEMENT

         This FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this
"Amendment") is entered into as of May 12 , 2000, by and between Caredata.com
Inc. (f/k/a Medirisk, Inc.), a Delaware corporation (the "Borrower"), and Bank
of America, N.A. (f/k/a NationsBank, N.A.) (the "Lender").

                              W I T N E S S E T H:

         WHEREAS, the Borrower and the Lender are parties to that certain
Amended and Restated Credit Agreement dated as of June 29, 1998 (as the same may
be amended, restated, supplemented or otherwise modified from time to time, the
"Credit Agreement"); and

         WHEREAS, as of the date hereof, the Borrower has acquired equity
interests in each of the third parties listed on Exhibit A attached hereto (each
such third party, together with the companies listed on Schedule 10 to the
Credit Agreement, being hereafter referred to as an "Investment Target"), in
violation of the restrictions set forth in Sections 3.1(n), 3.1(p), 3.1(q),
4.11, 5.3, 5.5, 6.5 and 6.6(b) of the Credit Agreement (the "Investment
Default"); and

         WHEREAS, the Borrower has requested, and the Lender has agreed, to
waive the Investment Default and to amend the Credit Agreement in order to,
among other things, provide the Borrower with an increase in borrowing
availability under the Credit Agreement as and to the extent set forth herein;

         NOW THEREFORE, in consideration of the premises set forth above, the
terms and conditions contained herein and other good and valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, the parties hereby
agree that all capitalized terms used herein shall have the meanings ascribed
thereto in the Credit Agreement (as amended by this Amendment) except as
otherwise defined or limited herein, and further agree, subject to the
conditions precedent to this Amendment hereinafter set forth, as follows:

         1.       Amendments to Section 1.1.

                  (a)      Section 1.1 of the Credit Agreement, Extension of
Credit, is hereby modified and amended by deleting the existing section in its
entirety and by substituting the following in lieu thereof:

                  "Section 1.1      Extensions of Credit.

                           "(a)     Revolving Loans. Subject to the terms and
         conditions of, and in reliance upon the representations and warranties
         made in, this Agreement and the other Loan Documents, the Lender agrees
         to make available to the Company, from

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         time to time prior to the Maturity Date amounts which in the aggregate
         at any one time outstanding do not exceed the sum of (i) Current
         Outstandings, plus (ii) the New Commitment. If at any time, the
         Revolving Loans exceed any applicable limitation set forth in this
         Agreement (including, without limitation, the amount determined by the
         formula set forth in the immediately preceding sentence), such
         Revolving Loans shall nevertheless constitute Obligations that are
         secured by the Collateral and are entitled to all benefits thereof.
         Notwithstanding anything contained in this Agreement to the contrary,
         the Revolving Loans in an amount equal to the aggregate principal
         amount outstanding in excess of the sum of (x) Current Outstandings,
         plus (y) the New Commitment, shall be payable ON DEMAND.

                           "(b)     Extension of Maturity Date. In the event
         that the Company has entered into an Approved Contract on or before
         June 15, 2000, the Maturity Date shall be automatically extended,
         without the necessity for action on the part of either the Company or
         the Lender, to August 31, 2000."

         2.       Amendment to Section 1.2. Section 1.2 of the Credit Agreement,
Revolving Loan Borrowing Mechanics and Disbursement, is hereby modified and
amended by adding the following to the end of subsection (c)(ii) thereof:

         "Notwithstanding anything contained in this Agreement which may be
         construed to the contrary, (x) with respect to LIBOR Advances made on
         and after the First Amendment Date, the Company may only select a LIBOR
         Advance Period of thirty (30) days, and (y) to the extent that any
         LIBOR Advances are outstanding on the First Amendment Date, such LIBOR
         Advances shall immediately convert as of the First Amendment Date to
         LIBOR Advances having a LIBOR Advance Period of thirty (30) days."

         3.       Amendment to Section 1.3. Section 1.3 of the Credit Agreement,
Interest, is hereby modified and amended by deleting the existing subsection (c)
in its entirety and by substituting the following in lieu thereof:

                  "(c)     Applicable Interest Rate Margin. The Applicable
         Interest Rate Margin for Base Rate Advances shall be one and one-half
         percent (1.5%) per annum. The Applicable Interest Rate Margin for LIBOR
         Advances shall be three and one-half percent (3.5%) per annum."

         4.       Amendment to Section 1.4. Section 1.4 of the Credit Agreement,
Fees, is hereby modified and amended by deleting such section in its entirety
and by substituting the following in lieu thereof:

                  "Section 1.4      [Intentionally Omitted]

         5.       Amendment to Section 1.9. Section 1.9 of the Credit Agreement,
Acquisition Advances, is hereby modified and amended by deleting such section in
its entirety and by substituting the following in lieu thereof:

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                  "Section 1.9      [Intentionally Omitted]"

         6.       Amendment to Section 2.2. Section 2.2 of the Credit Agreement,
Conditions Precedent to Each Advance Subsequent to the Agreement Date, is hereby
modified and amended by deleting the existing subsection (d) and by substituting
the following in lieu thereof:

                  "(d)     The aggregate unpaid principal amount of the
         Revolving Loans, after giving effect to such Advance, shall not exceed
         that amount which is equal to the sum of (i) Current Outstandings, plus
         (ii) the New Commitment."

         7.       Amendment to Section 4.9. Section 4.9 of the Credit Agreement,
Covenants Regarding Formation of New Subsidiaries and Acquisitions, is hereby
modified and amended by deleting the existing subsections (b) and (c) in their
entirety.

         8.       Amendment to Section 5.4. Section 5.4 of the Credit Agreement,
Copies of Other Reports, is hereby modified and amended by adding the following
new subsections thereto:

                  "(7) On a weekly basis each Monday, (a) a calculation (set
         forth on a week-by-week basis) of the Company's cash receipts and cash
         disbursements for the immediately preceding four (4) week period, (b) a
         calculation (set forth on a week-by-week basis) of the Company's
         projected cash receipts and cash disbursements for the immediately
         succeeding (4) week period, and (c) any other calculations, reports or
         other information relating to the Company's financial performance
         requested by the Lender."

         9.       Amendment to Article 6. Section 6 of the Credit Agreement,
Negative Covenants, is hereby modified and amended by adding the following new
Section 6.14 at the end thereof:

                  "Section 6.14 Cash Receipts. The Company shall not permit
         cash receipts (as set forth on the weekly report to be delivered to the
         Lender pursuant to Section 5.4(7) hereof) to be less than, for any four
         (4) week period ending (a) during the period from the First Amendment
         Date through June 30, 2000, $2,000,000, (b) on July 7, 2000 or July 14,
         2000, $2,200,000, and (c) during the period from July 15, 2000 through
         the Maturity Date, $2,400,000."

         10.      Amendment to Section 6.1. Section 6.1 of the Credit Agreement,
Indebtedness, is hereby modified and amended by adding the following new
subsection (g) at the end thereof:

                  "(g) Indebtedness owed by the Company in a principal amount
         not to exceed $2,150,000 in the aggregate during the term of this
         Agreement to any Person other than the Lender or any of the Lender's
         Affiliates, which Indebtedness shall be

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         subordinated to the prior payment in full of the Obligations and shall
         have been incurred by the Company for the purpose of making a Required
         Investment; provided, however, that in no event shall the Company
         refinance any such Indebtedness or directly make any Required
         Investments (i) with the proceeds of any Revolving Loans, (ii) with the
         proceeds of any other loans or advances made by Lender or any of the
         Lender's Affiliates, or (iii) from any cash flow generated by the
         Company or any of its Subsidiaries from their operations."

         11.      Amendment to Section 6.4. Section 6.4 of the Credit Agreement,
Restricted Payment and Purchases, is hereby modified and amended by deleting the
phrase ", other than the Restricted Payments and Restricted Purchases described
on Schedule 6.4 attached hereto" in its entirety.

         12.      Amendment to Section 6.5. Section 6.5 of the Credit Agreement,
Investments, is hereby modified and amended by deleting the phrase "Except for
Acquisitions not prohibited by the terms of this Agreement, the" and replacing
such phrase with "Except for the making of Required Investments with the
proceeds of Indebtedness of the type described in Section 6.1(g) hereof or from
the issuance of additional equity interests in the Company".

         13.      Amendment to Section 6.6. Section 6.6 of the Credit Agreement,
Liquidation; Disposition or Acquisition of Assets, is hereby modified and
amended by (a) deleting the phrase "Except with respect to Acquisitions
otherwise governed by the terms of this Agreement, the" and replacing such
phrase with "Except in connection with a Permitted Take-out Transaction," (b)
add the phrase "except in connection with a Permitted Sale/Leaseback
Transaction," to the end of clause (ii) of subsection (a) thereof, and (c)
deleting the existing subsection (b) and by substituting the following in lieu
thereof:

                  "(b)     acquire the assets, property, stock or business of
         any other Person, or make Capital Expenditures, whether in the ordinary
         course of business or otherwise, during the term of this Agreement,
         except that the Company may (i) make Capital Expenditures in the
         ordinary course of business (A) in an aggregate amount not to exceed
         $5,000 per transaction or $30,000 during the period from the First
         Amendment Date through the Maturity Date or (B) that are financed via a
         capitalized lease transaction or a purchase money loan from a Person
         other than the Lender or any of the Lender's Affiliates, and (ii) make
         any Required Investments with the proceeds of Indebtedness of the type
         described in Section 6.1(g) hereof or from the issuance of additional
         equity interests in the Company."

         14.      Amendment to Section 6.12. Section 6.12 of the Credit
Agreement, Restricted Payments, is hereby modified and amended by placing a
period after the word "thereon" in the third line thereof and by deleting the
remaining text of such section.

         15.      Amendments to Article 10.

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                  (a)      Article 10 of the Credit Agreement, Definitions, is
hereby modified and amended by adding the following definitions in appropriate
alphabetical order:

                  "Acceptable Counterparty" shall mean any Person that, in the
         reasonable judgment of the Lender, is capable (financially and
         otherwise) of consummating the transactions contemplated by an Approved
         Contract on the timetable proposed therefor in such Approved Contract.

                  "Approved Contract" shall mean any definitive agreement
         entered into by the Company with an Acceptable Counterparty and
         approved by the Company's Board of Directors, which agreement shall
         provide for a Permitted Take-out Transaction and shall require (a) the
         repayment in full of the Obligations contemporaneously with the closing
         of such Permitted Take-out Transaction, and (b) that the parties use
         their best efforts to consummate the closing of such Permitted Take-out
         Transaction on or before August 31, 2000.

                  "Current Outstandings" shall mean, as of any calculation date,
         the result of (a) $25,000,000, which shall represent the aggregate
         principal amount of the Advances outstanding as of the First Amendment
         Date (excluding the amount of any accrued interest, fees and expenses
         which shall not have been charged against the loan account on or before
         the First Amendment Date), less (b) the aggregate amount of payments
         received by the Lender, during the period from the First Amendment Date
         to the applicable calculation date, which have been applied to repay
         the Advances in accordance with Section 1.5(a) hereunder.

                  "First Amendment" shall mean that certain First Amendment to
         Amended and Restated Credit Agreement dated as of the First Amendment
         Date between the Company and the Lender.

                  "First Amendment Date" shall mean May 12, 2000.

                  "Investment Agreements" shall mean, collectively, those
         agreements evidencing the Company's Investment in the Investment
         Targets, in each case as such agreements are in effect as of the First
         Amendment Date and without giving effect to any amendments thereto
         occurring after the First Amendment Date unless approved in writing by
         the Lender.

                  "New Commitment" shall mean the obligation of the Lender to
         advance to the Company pursuant to the terms hereof the aggregate
         amount of $1,650,000 which amount shall, in the event that the Company
         shall have entered into an Approved Contract on or before June 15,
         2000, be increased (i) during the period from June 15, 2000 through
         June 30, 2000, to $2,300,000, and (ii) during the period from July 1,
         2000 through the Maturity Date, to $2,500,000; provided that in no
         event shall the New Commitment be deemed to exceed $2,500,000 at any
         time during the term of this Agreement.

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                  "Permitted Sale/Leaseback Transaction" shall mean a
         sale/leaseback transaction consummated by the Company subject to the
         following conditions: (a) the proceeds of such sale/leaseback
         transaction shall be used exclusively to finance the business
         operations of the Company and its Subsidiaries, (b) such sale/leaseback
         transaction shall be with a Person other than the Lender or any of the
         Lender's Affiliates, and (c) the aggregate amount of all such
         sale/leaseback transactions consummated after the First Amendment Date
         shall not exceed $500,000.

                  "Permitted Take-out Transaction" shall mean either a sale of
         the Company or a refinancing of all of the Obligations as described in,
         and subject to the terms and conditions set forth in, the First
         Amendment.

                  "Required Investments" shall mean, collectively, each of the
         additional private equity Investments set forth on Schedule 10 attached
         hereto, which additional Investments the Company is obligated, as of
         the First Amendment Date, to make in any of the Investment Targets
         pursuant to the Investment Agreements."

                  (b)      Article 10 of the Credit Agreement, Definitions, is
hereby further modified and amended by deleting the definitions of "Acquisition
Advance," "Advance Rate," and "Commitment" in their entirety.

                  (c)      Article 10 of the Credit Agreement, Definitions, is
hereby further modified and amended by deleting the existing definition of
"Revolving Loans" in its entirety and by substituting the following in lieu
thereof:

                  "Revolving Loans" shall mean, collectively the amounts
         advanced by the Lender to the Company under this Agreement, including
         the Current Outstandings and any Advances made by the Lender under the
         New Commitment."

         16.      Amendments to Schedules to the Credit Agreement.

                  (a)      Schedule 3.1(c) to the Credit Agreement,
Subsidiaries, is hereby modified and amended by deleting the existing schedule
in its entirety and by substituting Schedule 3.1(c) attached hereto in lieu
thereof.

                  (b)      Schedule 3.1(d) to the Credit Agreement, Capital
Stock, is hereby modified and amended by deleting the existing schedule in its
entirety and by substituting Schedule 3.1(d) attached hereto in lieu thereof.

                  (c)      Schedule 3.1(f) to the Credit Agreement, Real
Property, is hereby modified and amended by deleting the existing schedule in
its entirety and by substituting Schedule 3.1(f) attached hereto in lieu
thereof.

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                  (d)      Schedule 3.1(l) to the Credit Agreement, Litigation,
is hereby modified and amended by deleting the existing schedule in its entirety
and by substituting Schedule 3.1(l) attached hereto in lieu thereof.

                  (e)      Schedule 3.1(p) to the Credit Agreement, Material
Customer Contracts, is hereby modified and amended by deleting the existing
schedule in its entirety and by substituting Schedule 3.1(p) attached hereto in
lieu thereof.

                  (f)      Schedule 3.1(v) to the Credit Agreement, Intellectual
Property, is hereby modified and amended by deleting the existing schedule in
its entirety and by substituting Schedule 3.1(v) attached hereto in lieu
thereof.

                  (g)      The Credit Agreement is hereby modified and amended
to add Schedule 10 attached hereto, Required Investments, as Schedule 10
thereto.

         17.      Waiver. Subject to the satisfaction by the Borrower of the
conditions subsequent set forth in Section 26 below, the Lender hereby waives
(a) the Investment Default, (b) any Default which may have occurred prior to the
First Amendment Date as a result of the Borrower's failure to deliver on a
timely basis all documentation required to be delivered to the Lender pursuant
to Section 4.9 of the Credit Agreement, (c) any Default which may have occurred
prior to the First Amendment Date under Section 3.1(c) of the Credit Agreement
as a result of the Borrower's Acquisition of Citizen 1 Software, Inc., a
Delaware corporation, and its Subsidiaries, and (d) its rights and remedies
under the Credit Agreement which may arise as a result of the Investment Default
or any of the other Defaults described in the foregoing clauses (b) and (c). The
waivers contained in the foregoing sentence shall not waive any other
requirement or hinder, restrict or otherwise modify the rights and remedies of
the Lender following the occurrence of any other Default or Event of Default
under the Credit Agreement.

         18.      General Amendment to Credit Agreement and Loan Documents.
Subject to the satisfaction by the Borrower of the conditions subsequent set
forth in Section 26 below, the Credit Agreement and each of the Loan Documents
are hereby modified and amended to the extent necessary to reflect that the
Borrower's ability to grant to the Lender a security interest in and to the
equity interests owned by the Borrower in the Investment Targets may be
restricted in whole or in part by the provisions of certain shareholders"
agreements governing the Borrower's equity investment.

         19.      No Other Amendments, Waivers or Consents. Except for the
amendments and waivers set forth above, the text of the Credit Agreement and the
other Loan Documents shall remain unchanged and in full force and effect, and
the Lender hereby reserves the right to require strict compliance with the terms
of the Credit Agreement and the other Loan Documents, including, without
limitation, all terms applicable to Subsidiaries of the Borrower, in the future.

         20.      Reaffirmation of Duties and Obligations. In consideration of
the amendments and waivers contained herein, the Borrower hereby reaffirms (a)
the aggregate principal amount of the Revolving Loans outstanding as of the
First Amendment Date (excluding the amount of

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any accrued interest, fees and expenses which shall not have been charged
against the loan account on or before the First Amendment Date) is $25,000,000,
and (b) the covenants and agreements made by the Borrower in favor of the Lender
set forth in the Credit Agreement and the other Loan Documents.

         21.      Release. In order to induce the Lender to execute, deliver and
perform this Amendment, the Borrower represents and warrants that there are no
claims, causes of action, suits, debts, obligations, liabilities, demands of any
kind, character or nature whatsoever, fixed or contingent, which the Borrower
may have, or claim to have, against the Lender, and the Borrower hereby
releases, acquits and forever discharges the Lender and its agents, employees,
officers, directors, servants, representatives, attorneys, affiliates,
successors and assigns (collectively, the "Released Parties") from any and all
liabilities, claims, suits, debts, causes of action and the like of any kind,
character or nature whatsoever, known or unknown, fixed or contingent that such
Person may have, or claim to have, against each of the such Released Parties
from the beginning of time until and through the dates of execution and delivery
of this Amendment.

         22.      Fees. In consideration for the amendments and waivers
contained herein, the Borrower hereby agrees that, as additional compensation
for the Lender's costs and risks in agreeing to the terms and conditions of this
Amendment, the Borrower shall pay to the Lender, on the earlier to occur of (a)
consummation of a Permitted Take-out Transaction, (b) the Maturity Date or (c)
acceleration of the Obligations pursuant to Section 7.2 of the Credit Agreement,
(i) an amendment fee in the amount of $150,000, which amendment fee shall be
fully earned as of the First Amendment Date and shall be non-refundable when
paid, and (ii) a completion fee in the applicable amount as follows: If the
Obligations shall have been repaid in full in cash and the Credit Agreement
shall have been terminated (A) on or before June 30, 2000, the fee shall be
$1,050,000, (B) during the period from July 1, 2000 through July 31, 2000, the
fee shall be $1,150,000, or (C) from and after August 1, 2000, the fee shall be
$1,250,000, in any case which fee shall be fully earned as of the due date
therefor and shall be non-refundable when paid. Notwithstanding anything
contained herein or in any of the other Loan Documents which may be construed to
the contrary, the fees set forth in this Section 21 shall constitute Obligations
for all purposes under the Credit Agreement.

         23.      Discretionary Increase in New Commitment. In the event that
the Borrower has not entered into an Approved Contract on or before June 15,
2000, the Lender may, in its sole, absolute and unconditional discretion, agree
to increase the amount of the New Commitment, as contemplated in the definition
of such term in the Credit Agreement, during the period from June 15, 2000
through June 30, 2000; provided, however, that the Lender hereby agrees that it
will not impose any incremental fees on the Borrower in consideration for its
agreement to increase the amount of the New Commitment so long as (a) no Default
or Event of Default has occurred and is continuing, (b) the Borrower has not
discontinued negotiations with any Acceptable Counterparty toward finalizing an
Approved Contract, and (c) the increase in the New Commitment does not extend
past June 30, 2000, without the execution and delivery of an Approved Contract.

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         24.      Financial Consultant. The Borrower hereby agrees that,
notwithstanding that no Default or Event of Default may have occurred and be
continuing, the Lender shall have the right, in its sole, absolute and
unconditional discretion, at any time during the term of the Credit Agreement to
require that the Borrower engage a financial consultant acceptable to the
Lender.

         25.      Permitted Take-out Transaction. At the Borrower's request,
this Amendment shall evidence the Lender's agreement to the sale of the Borrower
(whether by merger, tender offer, transfer of stock or sale of assets) or a
refinancing in full of the Obligations (in each case, a "Permitted Take-out
Transaction"), provided that (a) such Permitted Take-out Transaction shall be
consummated not later than the Maturity Date and (b) all of the Obligations
(including, without limitation, the fees set forth in Section 21 hereof) shall
be paid in full upon consummation of such Permitted Take-out Transaction. The
Borrower shall deliver promptly to the Lender (a) a copy of any term sheet
provided to the Borrower with respect to a proposal for a Permitted Take-out
Transaction, and (b) copies of any agreements entered into by the Borrower in
connection with a Permitted Take-out Transaction.

         26.      Conditions Subsequent. As a condition subsequent to the
amendments and consents set forth in this Agreement, the Borrower shall perform
or cause to be performed the following (the failure by the Borrower to so
perform or cause to be performed constituting an Event of Default under the
Credit Agreement):

                  (a)      Investment Targets. The Borrower shall use its best
         efforts to obtain all original stock certificates and corresponding
         stock powers relating to the Investment Targets which the Borrower was
         unable to obtain prior to the closing of the First Amendment, and shall
         provide such certificates and powers to the Lender promptly, but in no
         event later than three (3) Business Days, after the Borrower's receipt
         thereof.

                  (b)      Investment Agreements. Promptly upon the request of
         the Lender, the Borrower shall provide the Lender with copies of all
         Investment Agreements and all other agreements and documentation
         relating in any way to the Borrower's Investment in the Investment
         Targets, and all amendments thereto.

                  (c)      Sweetwater Health Enterprises, Inc. Within thirty
         (30) days of the First Amendment Date, the Borrower shall provide the
         Lender and its counsel with (i) satisfactory evidence that Sweetwater
         Health Enterprises, Inc., a Delaware corporation
         ("Sweetwater-Delaware"), has been dissolved, or (ii) all documents,
         including, without limitation, amendments and supplements to any Loan
         Documents, requested by the Lender to grant a first priority, perfected
         security interest in and to Sweetwater-Delaware and all of its
         properties and assets to the Lender as additional collateral security
         for the Obligations.

                  (d)      Shareholders' Agreements. Promptly following the
         First Amendment Date, the Borrower shall use its best efforts to obtain
         all consents necessary to permit the Borrower to grant a security
         interest in all of the equity interests owned by the Borrower in each
         of the Investment Targets, including, without limitation, the

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         consent of all parties to each of the shareholders' agreements
         restricting the ability of the Borrower to grant such a security
         interest. Commencing on May 31, 2000, the Borrower shall deliver to the
         Lender and its counsel a bi-weekly report setting forth the status of
         obtaining such consents.

         27.      Conditions to Effectiveness. This Agreement shall be effective
as of the date first written above (the "Effective Date") upon (a) the Lender's
receipt of a counterpart hereof duly executed by the Borrower, (b) the Lender's
receipt of corporate resolutions of the Borrower certified by the secretary of
the Borrower authorizing the transactions contemplated hereby, (c) the Lender's
receipt of an Amended and Restated Revolving Note in an aggregate principal
amount equal to the sum of (i) Current Outstandings, plus (ii) the New
Commitment, executed by an Authorized Signatory of the Borrower, (d) the
Lender's receipt of each of the agreements and other items set forth on Exhibit
B attached hereto, and (e) the Lender's receipt of such other information,
documents, instruments or approvals as the Lender or the Lender's counsel may
require.

         28.      Representations and Warranties. The Borrower, for itself and
on behalf of each of its Subsidiaries, agrees, represents and warrants in favor
of the Lender that:

                  (a)      This Agreement has been executed and delivered by
         duly authorized representatives of the Borrower, and the Credit
         Agreement, as modified and amended by this Agreement, constitutes a
         legal, valid and binding obligation of the Borrower, and is enforceable
         against the Borrower in accordance with its terms;

                  (b)      After giving effect to this Amendment, no Default or
         Event of Default under the Credit Agreement has occurred or is
         continuing;

                  (c)      As of the Effective Date, (i) the property of the
         Borrower, at a fair valuation on a going concern basis, will exceed its
         debt; (ii) the capital of the Borrower will not be unreasonably small
         to conduct its business; and (iii) the Borrower will not have incurred
         debts, or have intended to incur debts, beyond its ability to pay such
         debts as they mature; and

                  (d)      All of the representations and warranties of the
         Borrower contained in the Credit Agreement continue to be true and
         correct as of the date hereof as though made on and as of such date.

         29.      Expenses. The Borrower hereby agrees to pay all expenses of
the Lender incurred in connection with this Amendment, including, without
limitation, all fees and expenses of counsel to the Lender.

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         30.      Further Assurances. The Borrower will promptly cure, or cause
to be cured, defects in the creation and issuance of the Revolving Note and the
execution and delivery of the Loan Documents (including, without limitation,
this Amendment), resulting from any act or failure to act by the Borrower or any
of the Borrower's Subsidiaries or any employee or officer thereof. The Borrower,
at its sole expense, will promptly execute and deliver to the Lender, or cause
to be executed and delivered to the Lender, all such other and further
documents, agreements, and instruments in compliance with or accomplishment of
the covenants and agreements of the Borrower and its Subsidiaries in the Loan
Documents (including, without limitation, this Amendment), or to obtain any
consents, all as may be necessary or appropriate in connection therewith or as
may be requested by the Lender.

         31.      Effect on the Credit Agreement. Except as specifically
provided herein, the Credit Agreement shall remain in full force and effect, and
is hereby ratified, reaffirmed and confirmed. This Amendment shall be deemed to
be a Loan Document for all purposes.

         32.      Counterparts. This Amendment may be executed in any number of
separate counterparts and by the different parties hereto on separate
counterparts, each of which shall be deemed an original and all of which, taken
together, shall be deemed to constitute one and the same instrument. In proving
this Amendment in any judicial proceedings, it shall not be necessary to produce
or account for more than one such counterpart signed by the party against whom
such enforcement is sought. Any signatures delivered by a party by facsimile
transmission shall be deemed an original signature hereto.

         33.      Law of Contract. THIS AMENDMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF GEORGIA
APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED WHOLLY WITHIN SUCH STATE.

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         IN WITNESS WHEREOF, this Amendment has been duly executed as of the day
and year first written above.

BORROWER:                           CAREDATA.COM, INC. (F/K/A MEDIRISK, INC.)

                                    By: /s/ Thomas C. Kuhn III
                                       -----------------------------------------
                                    Name: Thomas C. Kuhn III
                                         ---------------------------------------
                                    Title: EVP & CFO
                                          --------------------------------------

LENDER:                        BANK OF AMERICA, N.A. (F/K/A NATIONSBANK, N.A.)

                                    By: /s/ David B. Jackson
                                       -----------------------------------------
                                    Name: David B. Jackson
                                         ---------------------------------------
                                    Title: Senior Vice President
                                          --------------------------------------

FIRST AMENDMENT TO AMENDED
AND RESTATED CREDIT AGREEMENT<PAGE>   1
                                  EXHIBIT 10.2

                          [BANK OF AMERICA LETTERHEAD]

July 14, 2000

VIA FACSIMILE
(404) 364-6711

Mr. Mark A. Kaiser
Chairman of the Board and Chief Executive Officer
Caredata.com, Inc.
Two Piedmont Center, Suite 400
3565 Piedmont Road, N.E.
Atlanta, Georgia 30305-1502

     RE:  MODIFICATION OF THE JUNE 29, 1998 AMENDED AND RESTATED CREDIT
          AGREEMENT

Dear Mr. Kaiser:

     The purpose of this letter agreement (the "Letter Agreement") is to
confirm the terms of the understanding between Caredata.com, Inc. ("Caredata"
or the "Company") and Bank of America, N.A. (the "Bank") with respect to the
June 29, 1998 Amended and Restated Credit Agreement (the "Restated Agreement")
between Caredata and the Bank, as amended by the May 12, 2000 First Amendment
to Amended and Restated Credit Agreement (the "First Amendment", collectively
with the Restated Agreement, the "Credit Agreement"). Capitalized terms used
but not defined herein shall have the respective meanings set forth in the
Credit Agreement.

     As you are aware, pursuant to the Credit Agreement, the Bank provided
Caredata with a $27,500,000 revolving credit facility, as evidenced by an
Amended and Restated Revolving Loan Promissory Note dated May 12, 2000 (the
"Note"), with a Maturity Date of July 15, 2000.

     Caredata has requested that the Bank amend certain provisions of the
Credit Agreement to extend the Maturity Date of the Note, and the Bank has
agreed to extend the Maturity Date of the Note until January 15, 2001
conditioned upon the execution of definitive documentation, the terms of which
are not limited to those set forth herein. In order to give the parties
sufficient time to prepare and execute appropriate documentation, Caredata has
requested and the Bank has agreed to amend the Credit Agreement to extend the
Maturity Date until July 28, 2000 on the following terms and conditions:

     1.   The Bank shall have received a fully executed copy of this Letter
Agreement on or before July 17, 2000.
<PAGE>   2
     2.     No Default or Event of Default which is not currently known to the
Bank shall have occurred under the Note, Credit Agreement, or any other loan
documents executed pursuant to the Credit Agreement (together with the Credit
Agreement and the Note, the "Loan Documents").

     3.     On or before July 28, 2000, Caredata shall have retained a crisis/
restructuring manager acceptable to the Bank whose duties and responsibilities
shall be defined in definitive documentation to be executed by the Company and
the Bank.

     4.     On or before July 21, 2000 the Bank shall have received fully
executed assignments of all of Caredata's Uniform Resource Locator (URL) domain
names in a form acceptable to the Bank.

     5.     The Bank and Caredata agree that the definition of Maturity Date in
Article 10 of the Credit Agreement is hereby deleted and in replacement thereof
is substituted: "Maturity Date" shall mean July 28, 2000, or such earlier date
as payment of the Revolving Loans shall be due (whether by acceleration or
otherwise)".

     6.     In order to induce the Bank to enter into this Letter Agreement,
Caredata acknowledges that it has no existing defense, counterclaim, offset,
cross-complaint, claim or demand of any kind or nature whatsoever that can be
asserted to reduce or eliminate all or any part of its liability to pay the full
indebtedness outstanding under the terms of the Note, Credit Agreement, and
Loan Documents. In consideration for the execution of this Letter Agreement,
Caredata hereby releases and forever discharges the Bank and all of its
officers, directors, employees and agents from any and all actions, causes of
action, debts, dues, claims, demands, liabilities and obligations of every kind
and nature, both in law and in equity, known or unknown, now existing, which
might be asserted against the Bank. This release applies to all matters arising
out of or relating to the Credit Agreement, the Loan Documents, the
indebtedness due under the Note, and the lending, deposit and borrowing
relationships between Caredata and the Bank, including the administration,
collateralization and funding thereof. Caredata further acknowledges that the
Bank has acted in good faith and has conducted its relationships with Caredata
in a commercially reasonable manner in connection with the negotiations,
execution and delivery of this Letter Agreement and in all respects in
connection with the Loan Documents, Caredata hereby waiving and releasing any
such claims to the contrary that might exist as of the date of this Letter
Agreement.

     7.     Caredata acknowledges that as of July 14, 2000 it is liable on the
Note, and is indebted to the Bank for the repayment of all outstanding
indebtedness due under the Note and the Loan Documents in the principal amount
of $27,190,000 plus accrued interest as provided for in the Loan Documents. In
addition, Caredata acknowledges its liability to pay to the Bank the amendment
fee in the amount of $150,000 and the completion fee in the amount  $1,150,000
pursuant to the terms of the First Amendment.

<PAGE>   3
     8.   Except as modified by this Letter Agreement, the Credit Agreement,
Note and Loan Documents and all documents, instruments and agreements related
thereto are hereby ratified and confirmed in all respects and shall continue in
full force and effect.

                                          Sincerely yours,

                                          BANK OF AMERICA, N.A.

                                          /s/ Julie A. Smith
                                          --------------------------
                                          Julie A. Smith
                                          Vice President

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