Document:

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                                                                   EXHIBIT 10.21

                  FIRST AMENDMENT TO REVOLVING CREDIT AGREEMENT
                           AND OTHER CREDIT DOCUMENTS

      THIS FIRST AMENDMENT TO REVOLVING CREDIT AGREEMENT AND OTHER CREDIT
DOCUMENTS (this "Amendment") is made and entered into as of February 18, 2005,
effective in accordance with Section 4 below, by and among CHOICEPOINT SERVICES
INC., a Georgia corporation ("Services"), CHOICEPOINT INC., a Georgia
corporation ("ChoicePoint"), the financial institutions from time to time party
to the Initial Credit Agreement referred to below (the "Lenders") and WACHOVIA
BANK, NATIONAL ASSOCIATION, a national banking association, as Administrative
Agent for the Lenders (the "Administrative Agent").

                              Statement of Purpose

      ChoicePoint, the Lenders and the Administrative Agent are parties to that
certain Revolving Credit Agreement dated as of December 29, 2004 (the "Initial
Credit Agreement"), by and among ChoicePoint, as Borrower, the Lenders, and the
Administrative Agent pursuant to which the Lenders have extended certain credit
facilities to ChoicePoint.

      ChoicePoint has requested that the Lenders consent to (a) the replacement
of ChoicePoint with Services as Borrower and to (b) the amendment and
restatement of the Initial Credit Agreement as described below. The Initial
Credit Agreement, as amended by this Amendment is hereinafter referred to as the
"Amended Credit Agreement". Subject to the terms and conditions of this
Amendment, the Administrative Agent and the Lenders are willing to agree to the
requested consents.

      NOW THEREFORE, for good and valuable consideration, the receipt and
adequacy of which is hereby acknowledged, the parties hereto agree as follows:

      SECTION 1. Definitions. All capitalized, undefined terms used in this
Amendment shall have the meanings assigned thereto in the Initial Credit
Agreement.

      SECTION 2. Replacement of Borrower. Subject to the conditions to
effectiveness set forth in Section 4 below, (a) the Administrative Agent and the
Lenders hereby consent to the assignment by ChoicePoint of all of its rights and
obligations as Borrower under the Initial Credit Agreement and the other Credit
Documents to Services to which it is a party, (b) Services hereby assumes all of
the rights and obligations of ChoicePoint as Borrower under the Initial Credit
Agreement and the other Credit Documents to which it is a party, (c) ChoicePoint
is hereby released from its obligations as Borrower under the Initial Credit
Agreement and the other Credit Documents to Services to which it is a party and
(d) ChoicePoint and Services hereby agree to the terms of the Amended Credit
Agreement.

      SECTION 3. Amendment to Initial Credit Agreement.

      (a) Amendment to Initial Credit Agreement. Subject to the conditions to
effectiveness set forth in Section 4 below, the Initial Credit Agreement is
hereby amended in the form attached hereto as Exhibit A.

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      (b) Amendment to Other Credit Documents. Each of the other Credit
Documents and the Exhibits to the Initial Credit Agreement are hereby amended by
replacing ChoicePoint with Services as Borrower, in each case, as necessary to
give effect to the amendments set forth in paragraph (a) above.

      SECTION 4. Effectiveness. This Amendment shall become effective upon
receipt by the Administrative Agent of each of the following in form and
substance satisfactory to the Administrative Agent:

      (a) an executed original of this Amendment by ChoicePoint, Services, the
Guarantors and each of the Lenders;

      (b) a duly authorized guaranty agreement (the "Parent Guaranty Agreement")
executed by ChoicePoint in favor of the Administrative Agent and the Lenders;

      (c) a duly executed Contribution Agreement, executed by ChoicePoint and
each of the Guarantors;

      (d) a duly executed Syndicated Note for each Lender and a duly executed
Swing Line Note for the Swing Line Lender;

      (e) a certificate of the secretary or assistant secretary of ChoicePoint
attaching resolutions duly adopted by the board of directors of ChoicePoint
authorizing the execution, delivery and performance of this Amendment and the
Parent Guaranty Agreement and approving the transactions contemplated hereby;

      (f) a certificate of the secretary or assistant secretary of Services
attaching (i) resolutions duly adopted by the board of directors of Services
authorizing the execution, delivery and performance of this Amendment and
approving the transactions contemplated hereby and (ii) a certificate as of a
recent date of the good standing of Services from its state of organization;

      (g) a legal opinion of counsel to ChoicePoint and Services as to the due
authorization, execution, delivery and enforceability of this Amendment and the
Parent Guaranty Agreement; and

      (h) payment of all outstanding fees and expenses of the Administrative
Agent (including without limitation, legal fees and expenses) incurred in
connection with the preparation and negotiation of this Amendment and all
documents, certificates and other instruments delivered in connection therewith.

      SECTION 5. Limited Consent and Amendment. Except as expressly provided in
this Amendment, the Amended Credit Agreement and each other Credit Document
shall continue to be, and shall remain, in full force and effect. This Amendment
shall not be deemed or otherwise construed (a) to be a waiver of, or consent to
or a modification or amendment of, any other term or condition of the Amended
Credit Agreement or any other Credit Document, (b) to prejudice any other right
or remedies that the Administrative Agent or the Lenders, or any of them, may
now have or may have in the future under or in connection with the Amended
Credit

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Agreement or the Credit Documents, as such documents may be amended, restated or
otherwise modified from time to time, (c) to be a commitment or any other
undertaking or expression of any willingness to engage in any further discussion
with ChoicePoint or any other person, firm or corporation with respect to any
waiver, amendment, modification or any other change to the Amended Credit
Agreement or the Credit Documents or any rights or remedies arising in favor of
the Lenders or the Administrative Agent, or any of them, under or with respect
to any such documents or (d) to be a waiver of, or consent to or a modification
or amendment of, any other term or condition of any other agreement by and among
ChoicePoint or any of its Subsidiaries, on the one hand, and the Administrative
Agent or any other Lender, on the other hand.

      SECTION 6. Representations and Warranties/No Default. By their execution
hereof, and after giving effect to this Amendment, ChoicePoint and Services
hereby certify that (a) each of the representations and warranties set forth in
the Amended Credit Agreement and the other Credit Documents is true and correct
as of the date hereof as if fully set forth herein (other than representations
and warranties which speak as of a specific date pursuant to the Amended Credit
Agreement, which representations and warranties shall have been true and correct
as of such specific dates) and that as of the date hereof (after giving effect
to the provisions of this Amendment) no Default or Event of Default has occurred
and is continuing, and (b) the execution, delivery and performance of this
Amendment have been authorized by all requisite corporate action on the part of
ChoicePoint and Services.

      SECTION 7. Acknowledgement by Guarantors. By their execution hereof, each
of the Guarantors hereby expressly (a) consents to the modifications and
amendments set forth in this Amendment, (b) reaffirms all of its respective
covenants, representations, warranties and other obligations set forth in each
of the Credit Documents to which it is a party and (c) acknowledges, represents
and agrees that its respective covenants, representations, warranties and other
obligations set forth in each of the Credit Documents to which it is a party
remain in full force and effect.

      SECTION 8. Expenses. ChoicePoint shall pay all reasonable out-of-pocket
expenses of the Administrative Agent in connection with the preparation,
execution and delivery of this Amendment, including, without limitation, the
reasonable fees and disbursements of counsel for the Administrative Agent.

      SECTION 9. Governing Law. This Amendment shall be governed by, construed
and enforced in accordance with the laws of the State of Georgia, without
reference to the conflicts or choice of law principles thereof.

      SECTION 10. Counterparts. This Amendment may be executed in separate
counterparts, each of which when executed and delivered is an original but all
of which taken together constitute one and the same instrument.

      SECTION 11. Fax Transmission. A facsimile, telecopy or other reproduction
of this Amendment may be executed by one or more parties hereto, and an executed
copy of this Amendment may be delivered by one or more parties hereto by
facsimile or similar instantaneous electronic transmission device pursuant to
which the signature of or on behalf of such party can be seen, and such
execution and delivery shall be considered valid, binding and effective for all

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purposes. At the request of any party hereto, all parties hereto agree to
execute an original of this Amendment as well as any facsimile, telecopy or
other reproduction hereof.

                            [Signature Pages Follow]

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      IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed under seal by their duly authorized representatives, all as of the
day and year first above written.

                                         BORROWER AND GUARANTORS:

                                         CHOICEPOINT SERVICES INC., as Borrower

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

                                         CHOICEPOINT INC., as Parent

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

                                         CHOICEPOINT ASSET COMPANY, as Guarantor

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

                                         INSURITY INC., as Guarantor

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

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                                         CHOICEPOINT WORKPLACE SOLUTIONS,
                                         INC., as Guarantor

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

                                         C.L.U.E. INC., as Guarantor

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

                                         CHOICEPOINT PUBLIC RECORDS INC.,
                                         as Guarantor

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

                                         NATIONAL SAFETY ALLIANCE,
                                         INCORPORATED, as Guarantor

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

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                                         ADMINISTRATIVE AGENT AND LENDERS:

                                         WACHOVIA BANK, NATIONAL ASSOCIATION,
                                         as Administrative Agent and Lender

                                         By: /s/ William R. Goley
                                             ---------------------------
                                         Name: William R. Goley
                                         Title: Director

                                         SUNTRUST BANK, as Syndication Agent
                                         and Lender

                                         By: /s/ Bradley J. Staples
                                             ---------------------------
                                         Name: Bradley J. Staples
                                         Title: Managing Director

                                         BNP PARIBAS, as Documentation Agent
                                         and Lender

                                         By: /s/ John Stacy
                                             ---------------------------
                                         Name: John Stacy
                                         Title: Managing Director

                                         By: /s/ Aurora L. Abella
                                             ---------------------------
                                         Name: Aurora Abella
                                         Title: Vice President

                                         CREDIT SUISSE FIRST BOSTON, acting
                                         through its Cayman Islands Branch, as
                                         Lender

                                         By: /s/ Alain Daoust
                                            -----------------------------------
                                         Name: Alain Daoust
                                         Title: Director

                                         By: /s/ Peter Chauvin
                                             ---------------------------
                                         Name: Peter Chauvin
                                         Title: Vice President

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                                         FLEET NATIONAL BANK, as Lender

                                         By: /s/ William S. Rowe
                                             ---------------------------
                                         Name: William S. Rowe
                                         Title: Principal

                                         JPMORGAN CHASE BANK, as Lender

                                         By: /s/ B.B. Wuthrich
                                             ---------------------------
                                         Name: B.B Wuthrich
                                         Title: Vice President

                                         REGIONS BANK, as Lender

                                         By: /s/ Stephen H. Lee
                                             ---------------------------
                                         Name: Stephen H. Lee
                                         Title: Senior Vice President<PAGE>
                                                                   EXHIBIT 10.23

                                 FIRST AMENDMENT
                                       TO
                                MASTER AGREEMENT

         This First Amendment to Master Agreement (this "Amendment"), dated as
of September 30, 1998, is entered into among CHOICEPOINT INC., a Georgia
corporation, as Lessee and Guarantor; SUNTRUST BANKS, INC., a Georgia
corporation, as Lessor; and SUNTRUST BANK, ATLANTA, a Georgia banking
corporation, as Agent.

                              W I T N E S S E T H:

         WHEREAS, the Lessee, the Lessor and the Agent have entered into that
certain Master Agreement dated as of July 31, 1997, as amended (the "Master
Agreement") (capitalized terms used herein without definition shall have the
meanings ascribed to them in Appendix A to the Master Agreement); and

         WHEREAS, the parties hereto desire to enter into this Amendment in
order to amend the Master Agreement with respect to the matters provided for in
this Amendment.

         NOW, THEREFORE, in consideration of the foregoing premises, the mutual
terms and conditions herein contained, and for other good and valuable
consideration the receipt and sufficiency of which are hereby acknowledged, the
parties hereto agree as follows:

         Section 1.        Modifications to Master Agreement. The parties hereto
amend the Master Agreement as follows:

                  1.1 Section 2.2(c) of the Master Agreement is amended by
increasing the dollar amount in clause (y) thereof from $22,000,000 to
$24,000,000.

                  1.2 Schedule 2.2 to the Master Agreement is amended by
increasing the amount of the Lessor Commitment set forth therein from
$22,000,000 to $24,000,000 and to read in its entirety in the form attached to
this Amendment.

         Section 2.        Representations and Warranties. Lessee represents and
warrants to each of the other parties hereto that each of the representations
and warranties of Lessee contained in the Master Agreement and in each other
Operative Document is true and correct in all material respects on the Effective
Date, with the same effect as

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though made on and as of the Effective Date and, for purposes of this paragraph,
all references in such representations and warranties to the "Operative
Documents" shall be deemed to include this Amendment.

         Section 3.        Effectiveness. Subject to the execution and delivery
of this Amendment by all parties hereto, this Amendment shall be deemed
effective on the date set forth in the preamble to this Amendment (the
"Effective Date").

         Section 4.        GOVERNING LAW. THIS AMENDMENT HAS BEEN DELIVERED IN,
AND SHALL IN ALL RESPECTS BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE
LAWS OF THE STATE OF GEORGIA APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED
ENTIRELY WITHIN SUCH STATE, INCLUDING ALL MATTERS OF CONSTRUCTION, VALIDITY AND
PERFORMANCE.

         Section 5.        References. All references to the words "Master
Agreement" shall hereinafter refer to the Master Agreement as amended by this
Amendment.

         Section 6.        Counterparts. This Amendment may be executed in any
number of counterparts and by different parties hereto on separate counterparts,
each executed counterpart constituting an original but all together one
agreement.

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         IN WITNESS WHEREOF, the parties hereto have caused this First Amendment
to Master Agreement to be duly executed by their respective officers thereunto
duly authorized as of the day and year first above written.

                                         CHOICEPOINT INC., as the Lessee

                                         By: /s/ Doug C. Curling
                                            ------------------------------------
                                         Name Printed: Doug c. Curling
                                                      --------------------------
                                         Title:
                                               ---------------------------------

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                                         SUNTRUST BANKS, INC., as Lessor

                                         By: /s/ Ashleigh R. Baucom
                                            ------------------------------------
                                         Name Printed: Ashleigh R. Baucom
                                                      --------------------------
                                         Title: Banking Officer
                                               ---------------------------------

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                                         SUNTRUST BANK, ATLANTA, as Agent

                                         By: /s/ J. Christopher Deisley
                                            ------------------------------------
                                         Name Printed: J. Christopher Deisley
                                                      --------------------------
                                         Title: First Vice President
                                               ---------------------------------

                                         By: /s/ Ashleigh R. Baucom
                                            ------------------------------------
                                         Name Printed: Ashleigh R. Baucom
                                                      --------------------------
                                         Title: Banking Officer
                                               ---------------------------------

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                              AMENDED SCHEDULE 2.2

                            PAYMENT INSTRUCTIONS AND
                    AMOUNT OF EACH FUNDING PARTY'S COMMITMENT

Lessor Commitment Percentage:               100%

                                          Lender Commitment Percentage:
                                              zero

Lessor Commitment:  $24,000,000

Lender Commitment:  zero

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