Document:

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                                                                   EXHIBIT 10.13

                                    RESELLER
                                SERVICE AGREEMENT

     This Agreement is made by and between FACTUAL DATA, 5200 Hahns Peak Drive,
Loveland, CO 80538, ("Reseller") and Trans Union LLC, 555 West Adams Street,
Chicago, Illinois 60661 ("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
("Customers"); and

     WHEREAS, Trans Union owns and maintains a national database of consumer
credit information ("TU Consumer Database"); and

     WHEREAS, Reseller desires to resell Trans Union consumer credit reports, or
information therefrom, ("Consumer Reports") to Customers who have a permissible
purpose in accordance with the Fair Credit Reporting Act (15 USC ss.1681 et
seq.) including, without limitation, all amendments thereto ("FCRA").

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

I.   Reseller Responsibilities

     A.   Reseller may sell, subject to applicable law, Consumer Reports to the
          industries and for the purposes outlined in the Reseller's Letter of
          Intent, a copy of which is attached hereto and incorporated herein by
          reference. In the event that Reseller wishes to expand its resale
          business beyond the scope set forth in the Letter of Intent, it may do
          so only with the prior written consent of Trans Union.

     B.   Reseller shall request, from Trans Union, Consumer Reports only on
          behalf of Reseller's Customers who have a permissible purpose for
          obtaining consumer reports, as defined by Section 604 of the FCRA.
          Such Customers shall be provided access to the TU Consumer Database or
          Consumer Reports only if all requirements stated in this Agreement are
          met.

     C.   Prior to Requesting each Consumer Report, Reseller shall identify the
          end user of the Consumer Report, certify each permissible purpose for
          which the Consumer Report will be used, and certify that the Consumer
          Report will be used for no other purpose, as defined by Section 607 of
          the FCRA, via the method indicated by the Reseller in Section V of
          this Agreement.

     D.   The Consumer Reports may be transferred without change, may be
          reformatted by Reseller, or may be merged with similar data obtained
          from other consumer reporting agencies (Merged Reports). Each Consumer
          Report obtained by Reseller shall be used only one time, and only by
          or on behalf of the Customer for whom it was requested. Reseller may
          not archive or otherwise retain or use any Consumer Report for any
          other purpose, except to the extent that Reseller is required by law
          to maintain the Consumer Report for purposes of performing a
          consumer-initiated investigation and providing, at the consumer's
          request, a modified version of the same Consumer Report to the
          Customer for whom it was originally requested. In the event that
          Reseller has archived Consumer Report for such purpose, and receives a
          court order or federal grand jury subpoena for that report, such
          Consumer Report may be produced. In no event, however, should a new
          Consumer Report be requested from Trans Union in response to any
          subpoena; rather, Reseller should direct the requesting party to Trans
          Union.

     E.   Reseller shall obtain Subscriber Agreements that contain the language
          set forth in Exhibit A (or Exhibit B if for employment purposes) from
          such Customers, wherein each user will state the nature of its
          business, certify the specific permissible purpose for which Consumer
          Reports will be obtained, and agree that Consumer Reports will be
          obtained for no other purpose, all as required by the FCRA. Said
          Exhibits A and B are incorporated herein and attached hereto. The
          permissible 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 Reseller must resell
               Trans Union's PEER product and Reseller and its Subscriber must
               execute an agreement containing the same language as set forth in
               Exhibit B hereto; or

          3.   In connection with the underwriting of insurance involving the
               consumer or review of existing policy holders for insurance
               underwriting purposes, or in connection with an insurance claim
               where written permission of the consumer has been obtained (and a
               copy of such written permission must be retained for three (3)
               years from the date of inquiry); or

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          4.   In connection with a tenant screening application involving the
               consumer; or

          5.   In accordance with the written instructions of the consumer (and
               a copy of such written permission must be retained for three (3)
               years from the date of inquiry); or

          6.   For a legitimate business need in connection with a business
               transaction that is initiated by the consumer; or

          7.   As a potential investor, servicer or current insurer in
               connection with a valuation of, or assessment of, the credit or
               prepayment risks.

     F.   Reseller is prohibited from selling Consumer Reports directly to
          consumers under this Agreement. Reseller may make disclosures to
          consumers only to the extent required by Section 609 of the FCRA;
          provided however, that unless explicitly authorized in a separate
          agreement, between Reseller and Trans Union, for the resale of a score
          or as explicitly otherwise authorized in advance and in writing by
          Trans Union, Reseller, shall not disclose to consumers or any third
          party, other than Reseller's Customer for whom the score was obtained,
          any nor all scores provided under this Agreement, unless clearly
          required by law.

     G.   Reseller may advertise its services on the Internet or another public
          computer network. In addition, Reseller may transmit Consumer Reports
          via the Internet; provided however, that Reseller meets or exceeds all
          of the security requirements set forth in Exhibit C incorporated
          herein and attached hereto ("Internet Security Requirements"). In
          order to ensure the Internet Security Requirements are reflective of
          advances in generally available network security technology, Trans
          Union reserves the right to reasonably revise or otherwise modify the
          Internet Security Requirements upon at least one hundred twenty (120)
          days' prior written notification to Reseller. In the event Reseller so
          chooses to transmit Consumer Reports and fails to comply with all
          Internet Security Requirements, this Agreement shall immediately
          terminate. From time to time, upon at least five (5) days' prior
          written notification, Trans Union shall have the right to audit (or
          have its independent auditor audit), at Trans Union's expense,
          Reseller's compliance with the Internet Security Requirements.
          Reseller shall reasonably cooperate with Trans Union and any Trans
          Union requests in conjunction with all such audits including, but not
          limited to requests to correct any deficiencies discovered during such
          audits within a period of time mutually agreed upon and/or to suspend
          any further transmission of Consumer Reports until such deficiencies
          are corrected. Resellers obligation to comply, with the provision of
          this Section I.G. and the Internet Security Requirements, shall, in no
          event, be deemed contingent upon, or otherwise affected by, the
          aforestated audit rights of Trans Union.

     H.   Reseller may sell Consumer Reports for employment purposes (PEER) to
          Customers who are members of the media, law enforcement agencies,
          private investigative agencies, detective agencies, law firms,
          security services, investigators, and lawyers or attorneys at law,
          provided such customers shall be issued individual code numbers as set
          forth in Section V of this Agreement and subject to the requirements
          in Section E (2) above. However, for reports for any purpose other
          than employment, or any other products, the prohibition in Section I
          below shall apply.

     I.   Except as otherwise expressly permitted herein, Reseller shall not
          sell Consumer Reports to Customers who are:

          1.   Private investigative agencies
          2.   Detective agencies
          3.   Law firms
          4.   Security services
          5.   Investigators
          6.   Lawyers or attorneys at law
          7.   Law enforcement
          8.   Credit repair clinics or any similar entity who offers to improve
               a consumer's credit report
          9.   Members of the media
          10.  Other resellers
          11.  Or such other category of customer as Trans Union may identify
               from time to time by written notice to Reseller.

          The foregoing categories are hereinafter referred to as "Unauthorized
          Users."

     J.   Reseller shall take the steps identified on Exhibit D to verify the
          identity of Customers who will obtain Consumer Reports to make certain
          that such Customers are legitimate businesses, have a permissible
          purpose for obtaining credit reports, and are not Unauthorized Users.
          Trans Union may amend Exhibit D at any time by providing thirty (30)
          days written notice to Reseller.

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     K.   If, as a result of the verifications outlined on Exhibit D, the
          prospective Customer is found to be an Unauthorized User, or is found
          to have no permissible purpose to obtain credit reports, no agreement
          will be signed and no subscriber number will be issued.

     L.   Trans Union reserves the right to terminate any Customer at any time
          with or without notice.

II.  Merged Report Guidelines

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

     A.   Reseller shall comply with the requirements of FCRA dealing with
          consumer disclosure, interviews and reinvestigation procedures.

     B.   Reseller shall retain each Merged Report so that it can provide a
          consumer disclosure as required by FCRA.

     C.   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.

     D.   When a Customer requests and reviews a Merged Report and the consumer
          is denied credit based on information in that Merged Report, the
          consumer must be referred to the Reseller for a complete disclosure.

     E.   In making a consumer 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.

     F.   In making a disclosure, in addition to all other obligations Reseller
          has under Section 609 of the FCRA, the Reseller also must advise the
          consumer about her/his FCRA rights to dispute information with the
          appropriate source credit bureau, to request reinvestigation, and to
          have corrected reports reissued to previous recipients, all as
          required by the FCRA and in the format established by the Federal
          Trade Commission.

     G.   Reseller must obtain information from sources other than the applicant
          in preparing the Merged Report. The Reseller must obtain information
          from a minimum of two national consumer reporting agencies. Separate
          inquiries are necessary when the co-borrowers have individually
          applied for credit.

     H.   The Merged Report must contain the date the report was created as well
          as the Reseller's name, address, and phone number as 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.

     I.   Once the merge logic is applied, the Merged Report must accurately
          reflect all elements of tradeline or credit grantor information for
          each tradeline if it was furnished by one or more of the credit
          reporting agencies.

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 Trans Union considers reliable, but does not
          guarantee the accuracy nor completeness of any information reported,
          and TRANS UNION MAKES NO WARRANTIES, EXPRESS OR IMPLIED INCLUDING, BUT
          NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS
          FOR A PARTICULAR PURPOSE, WITH RESPECT TO CONSUMER REPORTS, FURNISHED
          UNDER THIS AGREEMENT, WHETHER TO RESELLER OR TO CUSTOMER(S).

IV.  Indemnification and Limitation of Liability

     A.   Reseller shall indemnify and hold Trans Union harmless from any and
          all claims, losses and damages, liability, and costs, including
          attorney's fees, against, or incurred by, Trans Union to the extent
          such claims, damages, liability and costs result directly or
          indirectly from either or both of the following: (a) any use of
          Consumer Reports; or (b) Reseller's breach of its obligations under
          this Agreement including, but not limited to, any breach which results
          in the non-permissible use of the Consumer Reports provided to
          Reseller, Customer(s), or both, under this Agreement.

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     B.   IN NO EVENT SHALL TRANS UNION BE LIABLE TO RESELLER IN ANY MANNER
          WHATSOEVER FOR ANY LOSS OR INJURY TO RESELLER RESULTING FROM TRANS
          UNION'S OBTAINING OR FURNISHING OF CONSUMER REPORTS. MOREOVER, IN NO
          EVENT SHALL EITHER PARTY BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL,
          INDIRECT, SPECIAL, OR PUNITIVE DAMAGES INCURRED BY THE OTHER PARTY AND
          ARISING OUT OF THE PERFORMANCE OF THIS AGREEMENT, INCLUDING BUT NOT
          LIMITED TO LOSS OF GOOD WILL AND LOST PROFITS OR REVENUE, WHETHER OR
          NOT SUCH LOSS OR DAMAGE IS BASED IN CONTRACT, WARRANTY, TORT,
          NEGLIGENCE, STRICT LIABILITY, INDEMNITY, OR OTHERWISE, EVEN IF A PARTY
          HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS
          SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY
          LIMITED REMEDY.

     C.   THE FOREGOING NOTWITHSTANDING, WITH RESPECT TO RESELLER, IN NO EVENT
          SHALL THE AFORESTATED LIMITATIONS OF LIABILITY, SET FORTH ABOVE IN
          PARAGRAPH B OF THIS SECTION IV, APPLY TO DAMAGES INCURRED BY TRANS
          UNION AS A RESULT OF GOVERNMENTAL, REGULATORY OR JUDICIAL ACTION(S)
          PERTAINING TO VIOLATIONS OF THE FCRA, OTHER LAWS, REGULATIONS, OR
          JUDICIAL ACTIONS, OR ANY COMBINATION OF THE FOREGOING, TO THE EXTENT
          SUCH DAMAGES RESULT FROM RESELLER'S BREACH, DIRECTLY OR INDIRECTLY, OF
          ITS OBLIGATIONS UNDER THIS AGREEMENT.

V.   Identify End User

          A.    Reseller shall provide to Trans Union, for each Reseller
                Customer for whom Reseller will procure Consumer Reports the
                Customer's 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 Customer identification shall be made as mutually
                agreed between Trans Union and Reseller pursuant to one or both
                of the inquiry methods below. Failure of Reseller to comply with
                the requirements of this Section V shall result in immediate
                termination of this Agreement.

                1.    Individual Code for Each Customer

                      Each Customer signed up by Reseller may access the TU
                      Consumer Database 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, and telephone number. The
                      permissible purpose shall be identified on each inquiry.

                2.    Reseller Code Used for All Inquiries

                      No individual customer code will be issued, nor will
                      access to the TU Consumer Database be established, for any
                      Customer by Trans Union. Rather, the code used will be the
                      Reseller's code. The Customer name and permissible purpose
                      for the inquiry shall be identified  by Reseller on each
                      Consumer Report accessed. Pursuant to Section 609 of the
                      FCRA, the Customer's name must be the trade  name under
                      which the Customer conducts business, written in full.
                      Reseller shall establish and provide Trans Union a toll
                      free number, which will be answered between the hours of 9
                      a.m. to 5 p.m. Central Time, 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 have been assigned a Trans Union access
               code, they shall be identified, and Reseller shall determine that
               the certifications required, and all other obligations stated, in
               this Agreement are complied with by such Customers. All
               Unauthorized Users who have an access code for the TU Consumer
               Database, shall be terminated and access to the TU Consumer
               Database by them shall be canceled, except as otherwise permitted
               by Section I.H above.

          C.   Reseller is also required to:

               1.   Internally identify all Customers engaged in the
                    underwriting of insurance including, but not limited to,
                    auto insurance, casualty insurance, property insurance,
                    surety bond companies, bail bondsmen, and insurance agents
                    (hereinafter referred to as "Insurance Company Customers").

               2.   Ensure that all of Insurance Company Customers are
                    identified by means of a separate Trans Union subscriber
                    code.

               3.   Ensure that all Insurance Company Customers have a Trans
                    Union subscriber code with an "I" KOB.

               4.   Ensure that all inquiries made by all Insurance Company
                    Customers include the appropriate permissible purpose code,
                    as identified by Trans Union.

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VI.  Fees & Charges

     A.   Reseller shall pay to Trans Union for each access to the TU Consumer
          Database, by Reseller and for each access by a Customer, the price
          then in effect for the type of Consumer Report ordered. Trans Union
          shall have no obligation to collect any account owing from Customers.

     B.   Trans Union shall provide monthly invoices to Reseller for all access
          to the TU Consumer Database, by Reseller and for all accesses by
          Customers, and such invoices shall be paid by Reseller within thirty
          (30) days of receipt. Without limiting any of Trans Union's remedies
          for non-payment or late payment of invoices, past due amounts shall
          accrue interest at the rate of one and one-half percent (1.5%) per
          month (eighteen percent (18%) per year) or the maximum allowed by law
          if lower than 18% per year. If collection efforts are required,
          Reseller shall be liable for all cost of collection, including
          reasonable attorney's fees.

VII. Miscellaneous

     A.   This Agreement shall commence upon the last signature date below and
          shall remain in force and effect until this Agreement is terminated
          pursuant to Section I.G., Section V., or Section VII.C. or by either
          party upon at least sixty (60) days' prior written notice to the other
          party. The foregoing notwithstanding, without limiting any other
          remedies to which Trans Union may be entitled including, but not
          limited to, injunctive relief, Trans Union reserves the right, at
          Trans Union's sole option, to immediately suspend its performance, in
          whole or in part, under this Agreement, to immediately terminate this
          Agreement, or both, if Trans Union, in good faith, determines that:
          (1) Reseller, either directly or indirectly, has materially breached
          any of its obligations under this Agreement; (2) the requirements of
          any law, regulation, or judicial action have not been met; or (3) as a
          result of changes in laws, regulations or regulatory or judicial
          action, the requirements of any law, regulation or judicial action
          will not be met.

     B.   Trans Union may make available ancillary products for resale by
          Reseller, subject to such terms and conditions as Trans Union may
          impose from time to time. If Reseller refuses to agree to or fails to
          comply with such terms and conditions, Trans Union shall have no
          obligation to make such ancillary product available to Reseller.

     C.   This Agreement including, without limitation, all the rights and the
          obligations set forth in this Agreement, with respect to Reseller are
          personal to Reseller and may not be subcontracted by Reseller without
          the prior written consent of Trans Union. Moreover, this Agreement,
          including the rights and obligations contained in this Agreement, may
          not be assigned, transferred (e.g., via stock purchase, sale of
          assets, etc.) or otherwise disposed of, by operation of law or
          otherwise, in whole or in part, by Reseller. This Agreement shall
          immediately terminate upon any attempt to so subcontract, assign, or
          transfer such rights and obligations.

     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, employer-employee, principal-agent nor
          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.

     E.   In addition to Trans Union's audit rights under Section I.G. above,
          during the term of this Agreement and for a period of three (3) years
          thereafter, Trans Union may audit Reseller's compliance with all other
          requirements of this Agreement, upon at least five (5) business days'
          prior written notice and during normal business hours. Trans Union may
          also audit Reseller to ensure that Reseller accurately outputs Trans
          Union data on any Consumer Report sold by Reseller, including Merged
          Reports. Trans Union shall also have the right, upon at least ninety
          (90) days' prior written notification to Reseller, to require Reseller
          to output Trans Union data in a specified format in accordance with
          written Trans Union guidelines as issued, and as may be revised, from
          time to time. The parties recognize that Trans Union will suffer
          irreparable harm, and that monetary damages may be incalculable and/or
          inadequate in the event that Reseller retains Trans Union data in
          breach of Paragraph I.B. or I.D. of this Agreement, and therefore,
          such breach shall be entitled to remedy by injunctive relief, in
          addition to any and all other relief which may be available at law or
          at equity.

     F.   "Trademarks" shall be defined as all trademarks, trade names, service
          marks, slogans, logos, designs, Internet universal resource locators
          (e.g., domain names) and other similar means of distinction, which are
          owned or controlled by Trans Union. All rights in any Trademarks
          associated with the business of Trans Union, including all goodwill
          pertaining thereto, shall be and remain the sole property of Trans
          Union. If Trans Union grants Reseller the right to use Trademarks
          pursuant to this Section VII. F., Reseller shall use and display such
          Trademarks only in the manner and for the purpose(s) authorized in
          writing in advance by Trans Union, and only during the term of this
          Agreement. Moreover, Trans Union reserves the right to require
          Reseller, upon at least ninety (90) days' prior written notification
          from Trans

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          Union, to use and display such Trademarks in accordance with written
          Trans Union's guidelines for use of Trademarks as issued, and as may
          be revised, from time to time. Samples of all materials that may be
          distributed by Reseller displaying the Trademarks shall be submitted
          to Trans Union upon Trans Union's reasonable request to verify
          compliance with Trans Union's guidelines for the use of the
          Trademarks. Trans Union reserves the right to add to, change, or
          discontinue the use of any Trademark, on a selective or general basis,
          at any time. Reseller shall not use any Trademark of Trans Union in
          any corporate, partnership, or business name without Trans Union's
          prior written consent. Trans Union may prohibit the use of any or all
          Trademarks by Resellers if, in Trans Union's sole discretion,
          Reseller's use of the Trademark(s) is detrimental to Trans Union in
          any way.

     G.   No failure or successive failures on the part of either party, its
          respective successors or permitted assigns, to enforce any covenant or
          agreement, and no waiver or successive waivers on its or their part of
          any condition of this Agreement shall operate as a discharge of such
          covenant, agreement, or condition, or render the same invalid, or
          impair the right of either party, its respective successors and
          permitted assigns, to enforce the same in the event of any subsequent
          breach or breaches by the other party, its successors or permitted
          assigns.

     H.   All references in this Agreement to the singular shall include the
          plural where applicable. Titles and headings to sections or paragraphs
          in this Agreement are inserted for convenience of reference only and
          are not intended to affect the interpretation or construction of this
          Agreement. If any term or provision of this Agreement is held by a
          court of competent jurisdiction to be invalid, void, or unenforceable,
          the remainder of the provisions shall remain in full force and effect
          and shall in no way be affected, impaired or invalidated.

     I.   Neither party shall be liable to the other for failure to perform or
          delay in performance under this Agreement if, and to the extent, such
          failure or delay is caused by conditions beyond its reasonable control
          and which, by the exercise of reasonable diligence, the delayed party
          is unable to prevent or provide against. Such conditions include, but
          are not limited to, acts of God; strikes, boycotts or other concerted
          acts of workmen; laws, regulations or other orders of public
          authorities; military action, state of war or other national
          emergency; fire or flood. The party affected by any such force majeure
          event or occurrence shall give the other party written notice of said
          event or occurrence within five (5) business days of such event or
          occurrence.

     J.   This Agreement shall be governed by and construed in accordance with
          the laws of the State of Illinois regardless of the laws that might
          otherwise govern under applicable Illinois principles of conflicts of
          law.

     K.   The recitals set forth above are an integral part of this Agreement
          and are hereby incorporated into this Agreement.

     L.   THIS AGREEMENT INCLUDING, BUT NOT LIMITED TO, ALL ASSOCIATED PRICING
          AGREED UPON, CONSTITUTES THE ENTIRE AGREEMENT BETWEEN THE PARTIES
          HERETO AND SUPERSEDES ALL PREVIOUS AGREEMENTS AND UNDERSTANDINGS,
          WHETHER ORAL OR WRITTEN, EXPRESS OR IMPLIED, SOLELY WITH RESPECT TO
          THE SUBJECT MATTER OF THIS AGREEMENT. THIS AGREEMENT MAY NOT BE
          ALTERED, AMENDED, OR MODIFIED EXCEPT BY WRITTEN INSTRUMENT SIGNED BY
          THE DULY AUTHORIZED REPRESENTATIVES OF BOTH PARTIES.

IN WITNESS WHEREOF, the parties, intending to be legally bound, have caused this
Agreement to be executed by their duly authorized representatives as of the last
date and year set forth below. The parties hereto agree that a facsimile
transmission of this fully executed Agreement shall constitute an original and
legally binding document.

FACTUAL DATA                                TRANS UNION LLC

By: /s/ R.D. LITTLEJOHN                     By: /s/ PASCALE PETRIE-ALBERT
    --------------------------------           ---------------------------------

Name: R.D. Littlejohn                       Name: Pascale Petrie-Albert
     -------------------------------              ------------------------------

Title: VP Branch Ops.                       Title: GVP
      ------------------------------              ------------------------------

Date: 10/16/01                              Date: 10/30/01
     -------------------------------             -------------------------------

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                     EXHIBIT A TO RESELLER SERVICE AGREEMENT

                     (REQUIRED TERMS FOR RESELLER AGREEMENT
             FOR CONSUMER REPORTS BETWEEN RESELLER AND ITS CUSTOMER)

1.   Reseller has access to consumer reports from one or more consumer credit
     reporting agencies.

2.   Subscriber is a _________________ and has a permissible purpose for
     obtaining consumer reports, as defined by Section 604 of the Federal Fair
     Credit Reporting Act (15 USC 1681b) as amended by the Consumer Credit
     Reporting Reform Act of 1996, hereinafter called "FCRA." The subscriber
     certifies their permissible purpose as:

     o    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

     o    In connection with the underwriting of insurance involving the
          consumer or review of existing policy holders for insurance
          underwriting purposes, or in connection with an insurance claim where
          written permission of the consumer has been obtained; or

     o    In connection with a tenant screen application involving the consumer;
          or

     o    In accordance with the written instructions of the consumer; or

     o    For a legitimate business need in connection with a business
          transaction that is initiated by the consumer; or

     o    As a potential investor, servicer or current insurer in connection
          with a valuation of, or assessment of, the credit or prepayment risks.

3.   Subscriber certifies that it will request consumer reports pursuant to
     procedures prescribed by Reseller from time to time only for the
     permissible purpose certified above, and will use the reports obtained for
     no other purpose.

4.   Subscriber will maintain copies of all written authorizations for a minimum
     of three (3) years from the date of inquiry.

5.   THE FCRA PROVIDES THAT ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS
     INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE
     PRETENSES SHALL BE FINED UNDER TITLE 18, OR IMPRISONED NOT MORE THAN TWO
     YEARS, OR BOTH.

6.   Subscriber shall use each consumer report only for a one-time use and shall
     hold the report in strict confidence, and not to disclose it to any third
     parties; provided, however, that Subscriber may, but is not required to,
     disclose the report to the subject of the report only in connection with an
     adverse action based on the report. Moreover, unless explicitly authorized
     in this Agreement or in a separate agreement, between Reseller and
     Subscriber, for scores obtained from Trans Union LLC, or as explicitly
     otherwise authorized in advance and in writing by Trans Union LLC through
     Reseller, Subscriber shall not disclose to consumers or any third party,
     any nor all such scores provided under this Agreement, unless clearly
     required by law.

7.   With just cause, such as delinquency or violation of the terms of this
     contract or a legal requirement, or a material change in existing legal
     requirements which adversely affects this Agreement, Reseller may, upon its
     election, discontinue serving the Subscriber and cancel this Agreement
     immediately.

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                     EXHIBIT B TO RESELLER SERVICE AGREEMENT

                     (REQUIRED TERMS FOR RESELLER AGREEMENT
               FOR CONSUMER REPORTS FOR EMPLOYMENT PURPOSES (PEER)
                       BETWEEN RESELLER AND ITS CUSTOMER)

1.   Reseller has access to consumer reports from one or more consumer credit
     reporting agencies.

2.   Subscriber is a _________________ and has a need for consumer credit
     information in connection with the evaluation of individuals for
     employment, promotion, reassignment or retention as an employee ("Consumer
     Report for Employment Purposes").

3.   Subscriber shall request Consumer Report for Employment Purposes pursuant
     to procedures prescribed by Reseller from time to time only when it is
     considering the individual inquired upon for employment, promotion,
     reassignment or retention as an employee, and for no other purpose.

4.   Subscriber certifies that it will not request a Consumer Report for
     Employment Purposes unless:

     A.   A clear and conspicuous disclosure is first made in writing to the
          consumer before the report is obtained, in a document that consists
          solely of the disclosure, that a consumer report may be obtained for
          employment purposes;

     B.   The consumer has authorized in writing the procurement of the report;
          and

     C.   Information from the Consumer Report for Employment Purposes will not
          be used in violation of any applicable federal or state equal
          employment opportunity law or regulation.

5.   Subscriber further certifies that before taking adverse action in whole or
     in part based on the Consumer Report for Employment Purposes, it will
     provide the consumer:

     A.   A copy of the Consumer Report for Employment Purposes; and

     B.   A copy of the consumer's rights, in the format approved by the Federal
          Trade Commission, which notice shall be supplied to Subscriber by
          Reseller.

6.   Subscriber shall use Consumer Report for Employment Purposes only for a
     one-time use, and shall hold the report in strict confidence, and not
     disclose it to any third parties not involved in the current employment
     decision.

7.   Subscriber will maintain copies of all written authorizations for a minimum
     of three (3) years from the date of inquiry.

8.   With just cause, such as delinquency or violation of the terms of this
     contract or a legal requirement, or a material change in existing legal
     requirements which adversely affects this Agreement, Reseller may, upon its
     election, discontinue serving the Subscriber and cancel this Agreement
     immediately.

                                   Page 1 of 1

<PAGE>

                     EXHIBIT C TO RESELLER SERVICE AGREEMENT

            INTERNET SECURITY REQUIREMENTS FOR DELIVERING TRANS UNION
                             PRODUCTS TO BUSINESSES

This document describes the security measures required for resellers and Trans
Union business partners who will use the Internet to distribute Trans Union
products to business customers. Resellers and business partners must meet these
requirements in order to be in compliance with their respective agreement(s)
with Trans Union.

If the reseller or business partner has engaged a third party to develop and
maintain their Internet delivery system, it is the reseller's/business partner's
responsibility to ensure that these security requirements are met by the third
party.

1.0  PROTECTION OF TRANS UNION DATA

     NOTE: In this section, there are several references to web servers. If the
     reseller or business partner is using a non-web delivery solution, replace
     the term `web server' with `server that accepts data from the Internet.'

     1.1  Trans Union data (such as, but not limited to, consumer credit data
          and Trans Union-issued subscriber codes/passwords) must be protected
          when in transit over the Internet. Strong (at least 128-bit)
          encryption is required.

     1.2  Trans Union data must be protected when stored on servers. Specific
          security measures for all servers involved in delivering Trans Union
          products are stated below:

          1.2.1 The servers storing Trans Union data must be physically separate
                from the web servers.

          1.2.2 The servers storing Trans Union data must not be available for,
                or exploitable by, any TCP services directly from the Internet
                and should not be referenced in externally available DNS tables.
                (Also see Firewall section below.)

          1.2.3 Security settings on all servers must include authentication
                with strong passwords that are changed at least every 90 days.
                All security controls need to be set to prevent unauthorized
                access to Trans Union data.

          1.2.4 All servers must have all published network operating system
                patches applied promptly after they become available.

     1.3  Web servers must not temporarily store Trans Union data longer than
          needed to re-send failed transmissions (generally not longer than one
          day).

     1.4  Physical security measures must be in place to ensure only authorized
          access to servers containing Trans Union data.

2.0  FIREWALLS AND NETWORK CONNECTIONS

     NOTE: In this section, there are several references to web servers. If the
     reseller or business partner is using a non-web delivery solution, replace
     the term `web server' with `server that accepts data from the Internet.'

     2.1  The reseller's or business partner's Internet connection must be
          protected with dedicated, industry-recognized firewalls that are
          configured and managed to adhere to security industry best practices.
          Firewalls with ICSA or similar certification are highly recommended.

     2.2  The firewall strategy must ensure that only a secure web server can
          access the server(s) holding Trans Union data:

          o    A single firewall strategy (firewall between the Internet and the
               web server) would require multiple interfaces to separate the web
               server and the network server(s) holding Trans Union data. The
               firewall rules should ensure that only the web server is allowed
               to access the server(s) holding Trans Union data.

                                   Page 1 of 3

<PAGE>

          o    A dual firewall implementation typically requires a firewall
               between the Internet and the web server and another firewall
               between the web server and the network server(s) holding Trans
               Union data. The rules in the second firewall should ensure that
               only the web server is allowed to access the server(s) holding
               Trans Union data.

          o    Any other firewall strategy must provide comparable security to
               that described above.

     2.3  Administrative access to the firewall(s) should be allowed only
          through a secured internal network or through direct serial port
          access. For remote administration, the preferred method is to dial
          into an internal local area network (LAN), provide strong
          authentication (like a token), and use a secure telnet session to
          access the firewall from inside the network. Modem dial-in access must
          not be allowed to the firewall serial port.

     2.4  All Internet Protocol (IP) addresses of the internal network housing
          servers with Trans Union data must not be natively routed to the
          Internet. Devices accessing the Internet from the internal network
          must use Network Address Translation (NAT), Port Address Translation
          (PAT), or like technology that keeps internal IP addresses from
          becoming known to the Internet.

     2.5  The reseller's or business partner's network must not allow any "back
          door" access to any servers holding Trans Union data. Back door access
          allows connection to the internal network without going through the
          firewall(s) or a remote access server with strong authentication.

     2.6  All network connections to Trans Union must be protected so that the
          reseller's or business partner's other trusted trading partners cannot
          attempt to access Trans Union.

     2.7  Firewalls must be configured to log exceptions and/or issue alerts.
          Such exceptions or alerts must be reviewed.

3.0  End User Authentication

     3.1  The Trans Union-issued subscriber codes and passwords must be
          protected from unauthorized use. If such codes and passwords are given
          to third parties acting on behalf of the reseller or business partner,
          the third party must agree to protect them accordingly.

     3.2  Trans Union-issued subscriber passwords must be changed if there has
          been any actual or suspected compromise or misuse of the passwords.

     3.3  The reseller or business partner must use strong end user
          authentication mechanisms to ensure that Trans Union products are
          delivered only to authorized individuals. (Note: If non-web delivery,
          authentication mechanisms may identify an authorized process, as
          opposed to an individual, in cases where the reseller or business
          partner uses an automated process to pull Trans Union products.)

     3.4  The authentication process must identify the individual who obtains
          the report at the end customer's location. Authentication at the
          company level is not adequate. (Also, see note about non-web delivery
          in 3.3 above.)

     3.5  If identification codes IDs and passwords are being used for
          authentication:

          3.5.1 Strong password policies must be in place (minimum length of 6
                alpha and numeric characters, frequent and mandatory password
                changes - at least every 90 days).

          3.5.2 IDs and passwords must be encrypted with strong (at least
                128-bit) encryption keys when they travel over the Internet.

     3.6  If digital certificates are used for individual authentication, the
          certificate authority must be trusted, the certification process must
          be sound, and the certificate must be protected by the end user.
          (NOTE: If both digital certificates and IDs/passwords are being used,
          the 90-day password change requirement is not required as long as the
          certificates are renewed no less frequently than on an annual basis.)

     3.7  Servers storing IDs and passwords and/or digital certificate
          information must be secured with the same security measures as the
          servers holding Trans Union data. (See 1.2 above.)

                                  Page 2 of 3
<PAGE>
     3.8  The reseller or business partner must ensure that IDs or digital
          certificates of individual users who are no longer authorized to
          obtain Trans Union products are disabled or inactivated promptly.

     3.9  The reseller or business partner's application must have adequate
          audit trails and detailed reports that allow early detection of
          fraudulent access and/or investigation of suspicious activity.

     3.10 The application must have a timeout feature so that the end user must
          re-authenticate after an extended period of inactivity. The
          recommended setting for the timeout is 30 minutes.

4.0  Other Considerations

     4.1  Wherever possible, the reseller's or business partner's application
          must use measures to reduce the risk of a returned credit report being
          used fraudulently. For example, social security numbers and/or account
          numbers would not be displayed if that information is not needed by
          the end user.

     4.2  The application software used to receive and process requests for
          Trans Union products should comply with the Associated Credit Bureau
          (ACB) security standards. ACB security certification is strongly
          recommended.

     4.3  ICSA or other third party review of the reseller's or business
          partner's security measures is highly recommended.

5.0  Security Incidents/System Changes

     5.1  Any actual or suspected compromises of the above security measures
          must be reported to Trans Union as soon as they are known.

     5.2  Any significant change to the Internet delivery system must be
          reviewed against these requirements to ensure continued compliance.

                                  Page 3 of 3

<PAGE>

                     EXHIBIT D TO RESELLER SERVICE AGREEMENT

      (REQUIRED STEPS FOR RESELLER TO VERIFY THE IDENTITY OF ITS CUSTOMERS)

1.   The actions taken to verify the type of customer will be notated on either
     the Subscriber Agreement or separate documentation within the membership
     file that will be maintained with 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 three (3)
     years thereafter. Those records (or copies thereof) must be made available
     to appropriate Trans Union personnel on request.

2.   Confirm that the stated permissible purpose for obtaining consumer reports
     is compatible with the type of business conducted by the potential
     customer.

3.   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 an Unauthorized User.
     Documentation must be maintained demonstrating when and by whom the
     physical inspection was conducted and describing the company's premises. `

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

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

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

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

8.   Check the yellow pages listings for the area where the customer is located
     to see if the prospective customer is listed under any of the categories
     identified previously as Unauthorized Users. If Reseller does not have
     access to the yellow pages listings for that area, Reseller may, instead,
     use an Internet Yellow Pages listing.

9.   Check the Internet to determine if the prospective customer has a web page.
     If the prospective customer does have a web page, view the page to verify
     that the information on the web page is compatible with purported business,
     that the prospective customer is not an Unauthorized User, and that the
     prospective customer is a legitimate business.

                                   Page 1 of 1<PAGE>
                                                                   EXHIBIT 10.14

                      SECOND AMENDMENT TO CREDIT AGREEMENT

                  This Amendment, dated as of April 30, 2001, is made by and
between FACTUAL DATA CORP., a Colorado corporation (the "Borrower"), and WELLS
FARGO BANK, NATIONAL ASSOCIATION, a national banking association (the "Lender"),
and is effective as of December 31, 2000.

                                    Recitals

                  The Borrower and the Lender have entered into that certain
Credit Agreement dated as of May 23, 2000, as amended by that certain Amendment
to Credit Agreement dated as of March 27, 2001 (as amended, the "Credit
Agreement"). Capitalized terms used in these recitals have the meanings given to
them in the Credit Agreement unless otherwise specified.

                  The Borrower desires to extend the Maturity Date with respect
to the Revolving Facility, and the Lender is willing to do so pursuant to the
terms and conditions set forth herein.

                  NOW, THEREFORE, in consideration of the premises and of the
mutual covenants and agreements herein contained, it is agreed as follows:

                  1. Defined Terms. Capitalized terms used in this Amendment
which are defined in the Credit Agreement shall have the same meanings specified
therein, unless otherwise defined herein. In addition, Section 1.1 of the Credit
Agreement is hereby amended by amending the definition of "Maturity Date" in its
entirety to read as follows:

                  "'Maturity Date"" means (a) with respect to the Revolving
         Facility, April 30, 2002, and (b) with respect to the Term Facility,
         April 30, 2005."

                  2. No Other Changes. Except as explicitly amended by this
Amendment, all of the terms and conditions of the Credit Agreement shall remain
in full force and effect and shall apply to any advance or letter of credit
thereunder.

                  3. Conditions Precedent. This Amendment shall be effective
when the Lender shall have received an executed original hereof, together with
each of the following, each in substance and form acceptable to the Lender in
its sole discretion:

                  (a) The Acknowledgment and Agreement of Guarantor set forth at
         the end of this Amendment, duly executed by the Guarantor.

                  (b) A Certificate of the Secretary of the Borrower certifying
         as to (i) the resolutions of the board of directors of the Borrower
         approving the execution and delivery of this Amendment, (ii) the fact
         that the articles of incorporation and bylaws of the Borrower, which
         were certified and delivered to the Lender pursuant to the Certificate
         of Authority of the Borrower's secretary or assistant secretary dated
         as of

<PAGE>

         April 28, 2000, in connection with the execution and delivery of the
         Credit Agreement, continue in full force and effect and have not been
         amended or otherwise modified except as set forth in the Certificate to
         be delivered, and (iii) certifying that the officers and agents of the
         Borrower who have been certified to the Lender, pursuant to the
         Certificate of Authority of the Borrower's secretary or assistant
         secretary dated as of April 28, 2000, as being authorized to sign and
         to act on behalf of the Borrower continue to be so authorized or
         setting forth the sample signatures of each of the officers and agents
         of the Borrower authorized to execute and deliver this Amendment and
         all other documents, agreements and certificates on behalf of the
         Borrower.

                  (c) An opinion of the Borrower's counsel as to the matters set
         forth in paragraphs 4(a) and 4(b) hereof and as to such other matters
         as the Lender shall require.

                  (d) Payment of or reimbursement for the costs and expenses
         described in Paragraph 8.

                  (e) Such other matters as the Lender may require.

                  4. Representations and Warranties. The Borrower hereby
represents and warrants to the Lender as follows:

                  (a) The Borrower has all requisite power and authority to
         execute this Amendment and to perform all of its obligations hereunder,
         and this Amendment has been duly executed and delivered by the Borrower
         and constitutes the legal, valid and binding obligation of the
         Borrower, enforceable in accordance with its terms.

                  (b) The execution, delivery and performance by the Borrower of
         this Amendment have been duly authorized by all necessary corporate
         action and do not (i) require any authorization, consent or approval by
         any governmental department, commission, board, bureau, agency or
         instrumentality, domestic or foreign, (ii) violate any provision of any
         law, rule or regulation or of any order, writ, injunction or decree
         presently in effect, having applicability to the Borrower, or the
         articles of incorporation or by-laws of the Borrower, or (iii) result
         in a breach of or constitute a default under any indenture or loan or
         credit agreement or any other agreement, lease or instrument to which
         the Borrower is a party or by which it or its properties may be bound
         or affected.

                  (c) All of the representations and warranties contained in
         Article IV of the Credit Agreement are correct on and as of the date
         hereof as though made on and as of such date, except to the extent that
         such representations and warranties relate solely to an earlier date.

                  5. References. All references in the Credit Agreement to "this
Agreement" shall be deemed to refer to the Credit Agreement as amended hereby;
and any and all

                                      -2-
<PAGE>

references in the Security Documents to the Credit Agreement shall be deemed to
refer to the Credit Agreement as amended hereby.

                  6. No Waiver. The execution of this Amendment and acceptance
of any documents related hereto shall not be deemed to be a waiver of any breach
or default under the Credit Agreement or breach, default or event of default
under any Security Document or other document held by the Lender, whether or not
known to the Lender and whether or not existing either on the date hereof or the
effective date hereof.

                  7. Release. The Borrower, and the Guarantor by signing the
Acknowledgment and Agreement of Guarantor set forth below, hereby absolutely and
unconditionally releases and forever discharges the Lender, and any and all
participants, parent corporations, subsidiary corporations, affiliated
corporations, insurers, indemnitors, successors and assigns thereof, together
with all of the present and former directors, officers, agents and employees of
any of the foregoing, from any and all claims, demands or causes of action of
any kind, nature or description, whether arising in law or equity or upon
contract or tort or under any state or federal law or otherwise, which the
Borrower or the Guarantor has had, now has or has made claim to have against any
such person for or by reason of any act, omission, matter, cause or thing
whatsoever arising from the beginning of time to and including the date hereof,
whether such claims, demands and causes of action are matured or unmatured or
known or unknown.

                  8. Costs and Expenses. The Borrower hereby reaffirms its
agreement under the Credit Agreement to pay or reimburse the Lender on demand
for all costs and expenses incurred by the Lender in connection with the Credit
Agreement, the Security Documents and all other documents contemplated thereby,
including without limitation all reasonable fees and disbursements of legal
counsel. Without limiting the generality of the foregoing, the Borrower
specifically agrees to pay all fees and disbursements of counsel to the Lender
for the services performed by such counsel in connection with the preparation of
this Amendment and the documents and instruments incidental hereto. The Borrower
hereby agrees that the Lender may, at any time or from time to time in its sole
discretion and without further authorization by the Borrower, make a loan to the
Borrower under the Credit Agreement, or apply the proceeds of any loan, for the
purpose of paying any such fees, disbursements, costs and expenses.

                  9. Miscellaneous. This Amendment and the Acknowledgment and
Agreement of Guarantor may be executed in any number of counterparts, each of
which when so executed and delivered shall be deemed an original and all of
which counterparts, taken together, shall constitute one and the same
instrument.

                                      -3-
<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed as of the date first written above.

WELLS FARGO BANK, NATIONAL ASSOCIATION           FACTUAL DATA CORP.

By /s/ Michael J. McGroarty                      By Todd A. Neiberger
   -------------------------------------            ----------------------------
   Michael J. McGroarty                             Todd A. Neiberger
   Its Vice President                               Its Chief Financial Officer

                                      -4-
<PAGE>

                    ACKNOWLEDGMENT AND AGREEMENT OF GUARANTOR

                  The undersigned, a guarantor of the indebtedness of Factual
Data Corp., a Colorado corporation (the "Borrower"), to Wells Fargo Bank,
National Association, a national banking association (the "Lender") pursuant to
a Guaranty dated as of May 23, 2000 (the "Guaranty"), hereby (i) acknowledges
receipt of the foregoing Amendment; (ii) consents to the terms (including
without limitation the release set forth in paragraph 7 of the Amendment) and
execution thereof; (iii) reaffirms its obligations to the Lender pursuant to the
terms of its Guaranty; and (iv) acknowledges that the Lender may amend, restate,
extend, renew or otherwise modify the Credit Agreement and any indebtedness or
agreement of the Borrower, or enter into any agreement or extend additional or
other credit accommodations, without notifying or obtaining the consent of the
undersigned and without impairing the liability of the undersigned under the
Guaranty for all of the Borrower's present and future indebtedness to the
Lender.

                                        FDC ACQUISITION, INC.

                                        By Todd A. Neiberger
                                           -------------------------------------
                                           Todd A. Neiberger
                                           Its Chief Financial Officer

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