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Property Services

 Mortgage Lending
· CheapTravelInsurance.com Appoints New Heavyweight
· Trinity Fund Administration Partners with Savenet
· North Texas Has Above Average Consumer Debt
· Examining the Life Cycle of Unpaid Debt
· Saxo Bank Releases New Monthly Equity Research on
 Mortgage Software
· Credit Plus, Inc. Offers Suite of Products TO Meet
· Equifax Capital Markets Integrates Kxen Technology
· Equifax Capital Markets Integrates Kxen Technology
· Bb&t Payment Solutions Kicks off Series of Free, C
· Quicken Loans and Sister Companies Move to Downtow

Credit Services

⇒ SettlementOne, Inc.
Settlementone is widely recognized as an Industry Leader in providing Settlement Services to financial institutions nationwide. For over a decade, lenders have benefited from our credit reporting, flood certification, AVM, appraisal, title, closing, and compliance solutions. Settlementone's premier customer service, proven reliability, and innovative technology has provided clients with the resources and service needed to successfully grow their business.
Rank: 1640   CID: 406310   New: 04/29/2010   Mod: 05/17/2010
⇒ http://www.settlementone.com/index.php
⇒ Lowcards.com
Rank: 1605   CID: 406706   New: 07/21/2010   Mod: 07/21/2010
⇒ http://www.Lowcards.com
⇒ Cambridge Credit Counseling Corp.
Rank: 1397   CID: 402063   New: 06/23/2008   Mod: 11/05/2009
⇒ http://www.cambridgecredit.org
⇒ http://www.cambridgecredit.blogspot.com
⇒ Credit Distinction
Rank: 1347   CID: 406922   New: 09/01/2010   Mod: 09/01/2010
No Web Link
⇒ Lease2ownit, LLC
Bringing Buyers And Sellers Together.
Rank: 1292   CID: 406892   New: 08/27/2010   Mod: 08/27/2010
⇒ http://www.lease2ownit.com
⇒ Clean Slate Credit Services
640 Or Free Get Qualified Or Service Is Free!
Rank: 1210   CID: 406718   New: 07/23/2010   Mod: 07/26/2010
⇒ http://www.640orFree.com
⇒ Kroll Factual Data
Rank: 1208   CID: 4877   New: 04/16/1996   Mod: 03/11/2009
⇒ http://www.krollfactualdata.com/
⇒ Financial Education Services
Improve Your Credit Today!
Rank: 1140   CID: 406359   New: 05/11/2010   Mod: 05/17/2010
⇒ http://www.499creditrepair.com
⇒ VR-Tech Marketing Group
Rank: 1136   CID: 108973   New: 02/10/2003   Mod: 12/14/2009
⇒ http://www.vrtmkg.com
⇒ Credit Financial Solutions
Credit Repair/Restoration Services
Rank: 1116   CID: 401181   New: 02/26/2008   Mod: 11/24/2009
⇒ http://www.u1stfinancial.net/susanwolrab
⇒ http://www.creditfinancialsolutions.com

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Credit Services       Read
08/03 compare visually parameters of a mortgage credit at fixed rate     (1)
05/23 Loan and credits available     (2)
05/23 Free Credit Repair for YOUR Clients!     (2)
05/22 credit repair software?     (4)
08/12 Try A New Credit Vendor!     (1)


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Keywords - Credit Services - Credit Services

Credit Services - Credit Services
Industry: Credit Services
Division:Credit Resources
Area:Credit Services
Keyword: Credit Services
Credit Services - Related
  • Credit Bureau 6
  • Credit Repair 95
  • Credit Investigation 4
  • Credit Collections 5
  • Credit Index 4
  • Credit Management 4

    • Industry Daily News

    Mortgage Lending News     Click to continue . . .

      •   CheapTravelInsurance.com Appoints New Heavyweight Underwriter to Offer Customers Enhanced Service and Greater Cover
    KENT, ENGLAND, September 04, 2010 /24-7PressRelease/ -- Leading online travel insurance specialist http://www.CheapTravelInsurance.com has this week announced a deal with a new policy underwriter aimed at giving customers a better service than ever. Increased peace of mind thanks to more extensive travel insurance cover is the order of the day thanks to CheapTravelInsurance.com changing its underwriter to Mondial Assistance.
    24/7 Press Release Newswire,24/7 Media,   09/04/2010

      •   Trinity Fund Administration Partners with Savenet Solutions to Gain Competitive Advantage
    DUBLIN, IRELAND, September 04, 2010 /24-7PressRelease/ -- Trinity Fund Administration, a global hedge fund solutions provider that delivers a wide range of services including administration and accounting, incorporation, transfers, compliance assistance, and corporate meeting logistics, has partnered with Savenet Solutions to implement and deliver a comprehensive disaster recovery and business continuity solution to its clients. Global financial services require continuous operation and reliable data accessibility; market prices change around the clock and transactions have to occur on time every time. Trinity Fund has gained competitive advantage through strong, accredited disaster recovery and business continuity assurance.
    24/7 Press Release Newswire,24/7 Media,   09/04/2010

      •   North Texas Has Above Average Consumer Debt
    September 04, 2010 /24-7PressRelease/ -- Debt is an issue that affects most of America, and North Texas is no different. The residents of North Texas, including the Dallas and Fort Worth, are amongst the United States` leaders in low credit scores and average consumer debt. According to Experian, Dallas is second only to Seattle in average amount of consumer debt amongst the 20 largest metropolitan areas in the U.S.
    24/7 Press Release Newswire,24/7 Media,   09/04/2010

      •   Examining the Life Cycle of Unpaid Debt
    September 04, 2010 /24-7PressRelease/ -- There are many reasons why people in Arizona may need to explore legal remedies for unbearable debt. Medical expenses, job losses and escalating house payments due to adjustable rate mortgages are among the most prominent. But in many cases, long term dependence on charge cards, home equity loans and other credit sources for everyday expenses may have created a looming mountain of debt.
    24/7 Press Release Newswire,24/7 Media,   09/04/2010

      •   Saxo Bank Releases New Monthly Equity Research on Value Stocks in Tradingfloor.com
    HELLERUP, DENMARK, September 04, 2010 /24-7PressRelease/ -- Saxo Bank, the specialist in online trading and investment, has launched a new monthly equity research publication entitled `Global Value Equity Strategy` focused on highlighting the most undervalued stocks from around the world. It will appear each month on the Equities section of http://www.tradingfloor.com.
    24/7 Press Release Newswire,24/7 Media,   09/04/2010

      •   Shadow Inventory Shrinks for Fifth Consecutive Month: Barclays
    That ominous shadow inventory of distressed homes that's been hanging over the industry was cut back in July, according to Barclays Capital. It marked the fifth straight month that the company has recorded a decline in the shadow supply. Barclays says it shrank 1.2 percent, to 3.92 million homes. At the same time, the firm's assessment of the nation's REO inventory ticked up 0.2 percent to 538,000 properties. The distressed share of home sales rose sharply in July, and Barclays says this will likely drive prices down 2 percent over the next three months.
    DSNews.com,Admin,   09/04/2010

    Click to continue . . .

    Industry Jobs & Resumes

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    Credit Services

    ⇒ Pre-Approved Credit.com
    Rank: 1079   CID: 110530   New: 12/18/2000   Mod: 12/07/2009
    ⇒ R.J Credit Associates, LLC - Downtown Pontiac Mi
    Rank: 1064   CID: 406500   New: 06/08/2010   Mod: 06/10/2010
    ⇒ CRE Credit Services
    Rank: 1056   CID: 405954   New: 02/21/2010   Mod: 02/22/2010
    ⇒ Outsource Disputes
    Rank: 1013   CID: 405653   New: 01/08/2010   Mod: 04/20/2010
    ⇒ United Credit Education Services
    Rank: 986   CID: 403481   New: 01/31/2009   Mod: 12/14/2009
    ⇒ The Credit Clinic
    Rank: 985   CID: 404867   New: 09/14/2009   Mod: 02/01/2010
    ⇒ Fran Pro Consultants, LLC
    Rank: 954   CID: 405861   New: 02/09/2010   Mod: 02/20/2010
    ⇒ Ecila Capital & Investments LLC
    Rank: 925   CID: 404705   New: 08/12/2009   Mod: 10/14/2009
    ⇒ Credit Service Company
    Rank: 924   CID: 404939   New: 09/28/2009   Mod: 10/13/2009
    ⇒ Consumerwise Debt Solutions
    Rank: 904   CID: 404972   New: 10/06/2009   Mod: 11/12/2009
    ⇒ Garner Financial Services Group
    Rank: 896   CID: 404859   New: 09/12/2009   Mod: 09/15/2009
    ⇒ Omni Credit Inc.
    Rank: 889   CID: 404833   New: 09/08/2009   Mod: 09/08/2009
    ⇒ Independant Associate Network
    Rank: 875   CID: 404760   New: 08/25/2009   Mod: 08/25/2009
    ⇒ Creditaid, Inc.
    Rank: 836   CID: 406592   New: 06/28/2010   Mod: 07/02/2010
    ⇒ www.aaamortgage.ca
    Rank: 826   CID: 404764   New: 08/26/2009   Mod: 08/26/2009
    ⇒ Tagquest Marketing Incorporated
    Rank: 818   CID: 404426   New: 06/29/2009   Mod: 06/29/2009
    ⇒ Informative Research
    Rank: 811   CID: 404696   New: 08/11/2009   Mod: 08/11/2009
    ⇒ Consumer Solutions Association (csa)
    Rank: 805   CID: 404923   New: 09/24/2009   Mod: 09/24/2009
    ⇒ Ez Miracle Group, LLC
    Rank: 650   CID: 402970   New: 11/03/2008   Mod: 11/03/2008
    ⇒ Credit Information Bureau Mortgage Services (CIBMS)
    Rank: 636   CID: 403236   New: 12/28/2008   Mod: 12/29/2008
    ⇒ Walton Credit Repair, LLC
    Rank: 487   CID: 403155   New: 12/09/2008   Mod: 12/10/2008
    ⇒ Phoenix Credit Services
    Rank: 371   CID: 404086   New: 05/12/2009   Mod: 05/13/2009
    ⇒ www.virtualbranch.us
    Rank: 352   CID: 123682   New: 04/26/2007   Mod: 10/06/2008
    ⇒ Gregory Credit Service
    Rank: 300   CID: 402099   New: 06/26/2008   Mod: 06/26/2008
    ⇒ Mortgage Professional Group, Inc.
    Rank: 272   CID: 401899   New: 05/27/2008   Mod: 05/29/2008
    ⇒ Merit Credit Systems, Inc.
    Rank: 180   CID: 401611   New: 04/17/2008   Mod: 04/17/2008
    ⇒ Credit Advisory Alliance
    Rank: 79   CID: 401953   New: 06/05/2008   Mod: 06/05/2008
    ⇒ VR Tech Marketing
    Rank: 55   CID: 401812   New: 05/11/2008   Mod: 05/12/2008
    ⇒ Alliance Credit Solution Inc.
    Rank: 13   CID: 406189   New: 04/07/2010   Mod: 04/20/2010
    ⇒ Virginia Real Estate Investment Solutions LLC
    Rank: -36   CID: 405950   New: 02/21/2010   Mod: 03/02/2010
    ⇒ Integrity Banc Solutions
    Rank: -44   CID: 405897   New: 02/15/2010   Mod: 02/22/2010
    ⇒ Mediation Collections, Inc.
    Rank: -96   CID: 107446   New: 04/21/2000   Mod: 01/01/2010
    ⇒ Consumer Counseling Centers
    Rank: -98   CID: 107282   New: 04/03/2000   Mod: 12/30/2009
    ⇒ MMREM
    Rank: -110   CID: 402689   New: 09/24/2008   Mod: 09/24/2008
    ⇒ GE Money Financial Service Ltd
    Rank: -147   CID: 402437   New: 08/13/2008   Mod: 08/18/2008
    ⇒ Credit Servicer
    Rank: -202   CID: 122224   New: 01/23/2006   Mod: 11/06/2009
    ⇒ P7 Holdings Inc Dba Omni Credit
    Rank: -353   CID: 404289   New: 06/08/2009   Mod: 06/08/2009
    ⇒ New Beginning Credit Repair
    Rank: -354   CID: 400984   New: 01/21/2008   Mod: 01/24/2008
    ⇒ Loan Performance
    Rank: -800   CID: 104093   New: 03/11/2005   Mod: 06/26/2008
    ⇒ Get Mortgage Wise
    Rank: -824   CID: 401925   New: 06/02/2008   Mod: 06/02/2008
    ⇒ BWB Enterprises, Inc.
    Rank: -952   CID: 401764   New: 05/05/2008   Mod: 05/05/2008
    ⇒ Trans Union Corp.
    Rank: -956   CID: 2847   New: 01/25/1996   Mod: 05/01/2008
    ⇒ CreditTechnologies Inc.
    Rank: -1238   CID: 121869   New: 10/12/2005   Mod: 10/12/2005
    ⇒ Consumer Credit Counseling Services
    Rank: -1294   CID: 402944   New: 10/29/2008   Mod: 11/14/2009
    ⇒ Land America Lender Services
    Rank: -1309   CID: 121786   New: 09/21/2005   Mod: 09/21/2005
    ⇒ Moneygram International
    Rank: -1338   CID: 121851   New: 10/12/2005   Mod: 10/12/2005
    ⇒ Family Credit Counseling Corp
    Rank: -1360   CID: 118451   New: 01/29/2004   Mod: 01/29/2004
    ⇒ Advanced Benefits Consulting
    Rank: -1428   CID: 404741   New: 08/20/2009   Mod: 08/22/2009
    ⇒ AppIntell
    Rank: -1592   CID: 119951   New: 09/03/2004   Mod: 09/03/2004
    ⇒ National Credit Repair
    Rank: -1702   CID: 115893   New: 01/02/2003   Mod: 01/02/2003
    ⇒ Keane Inc.
    Rank: -1888   CID: 121841   New: 10/12/2005   Mod: 10/12/2005
    ⇒ Equinox Mortgage Services
    Rank: -2105   CID: 104072   New: 03/09/2005   Mod: 03/09/2005
    ⇒ PAY RENT, BUILD CREDIT
    Rank: -2134   CID: 104002   New: 02/08/2005   Mod: 02/08/2005
    ⇒ iCreditSolution.com
    Rank: -2287   CID: 120215   New: 10/28/2004   Mod: 10/28/2004
    ⇒ credit leads
    Rank: -2365   CID: 119411   New: 06/22/2004   Mod: 06/22/2004
    ⇒ MyCreditAdvisor.net
    Rank: -2419   CID: 110810   New: 01/15/2001   Mod: 01/15/2001
    ⇒ Federal Home Loan Bank of San Francisco
    Rank: -2569   CID: 108778   New: 08/18/2000   Mod: 08/18/2000
    ⇒ Gold Key Credit Consulting, LLC
    Rank: -2592   CID: 119949   New: 09/03/2004   Mod: 09/03/2004
    ⇒ BWN Inc.
    Rank: -2607   CID: 117882   New: 10/24/2003   Mod: 10/24/2003
    ⇒ Credit.com
    Rank: -2635   CID: 117606   New: 09/26/2003   Mod: 09/26/2003
    ⇒ Creditsolver
    Rank: -2706   CID: 107279   New: 04/03/2000   Mod: 04/03/2000
    ⇒ Best in Products Online (BIP-O)
    Rank: -2737   CID: 117031   New: 06/16/2003   Mod: 06/16/2003
    ⇒ Credit Line Financial
    Rank: -2802   CID: 103334   New: 12/29/1999   Mod: 12/29/1999
    ⇒ ASKCREDIT.COM
    Rank: -2873   CID: 111299   New: 03/02/2001   Mod: 03/02/2001
    ⇒ American Debt Negotiation & Settlements, LLC
    Rank: -3079   CID: 114453   New: 05/20/2002   Mod: 05/20/2002
    ⇒ Consumer Debt Relief
    Rank: -3133   CID: 114414   New: 05/16/2002   Mod: 05/16/2002
    ⇒ Factual Data Corp.
    Rank: -3153   CID: 79778   New: 10/23/2000   Mod: 10/23/2000
    ⇒ Special Risk Services Inc.
    Rank: -3155   CID: 111573   New: 03/20/2001   Mod: 03/20/2001
    ⇒ Applied Cognetics, LLC
    Rank: -3158   CID: 109457   New: 10/18/2000   Mod: 10/18/2000
    ⇒ CBA Information Services
    Rank: -3158   CID: 109492   New: 10/18/2000   Mod: 10/18/2000
    ⇒ Quickapps
    Rank: -3168   CID: 62024   New: 12/28/1998   Mod: 12/28/1998
    ⇒ AAA Credit Screening Services
    Rank: -3287   CID: 48449   New: 08/31/1998   Mod: 08/31/1998
    ⇒ DebtCom LLC
    Rank: -3335   CID: 103821   New: 04/24/2000   Mod: 04/24/2000
    ⇒ Sarma Credit & Mortgage Services
    Rank: -3347   CID: 105957   New: 02/22/2000   Mod: 02/22/2000
    ⇒ Credit Bureau Systems, Inc
    Rank: -3397   CID: 104689   New: 02/22/2000   Mod: 02/22/2000
    ⇒ CreditProvider.com
    Rank: -3397   CID: 104691   New: 02/22/2000   Mod: 02/22/2000
    ⇒ DCI Credit Services, Inc.
    Rank: -3397   CID: 104734   New: 02/22/2000   Mod: 02/22/2000
    ⇒ Credit Options
    Rank: -3442   CID: 112584   New: 07/11/2001   Mod: 07/11/2001
    ⇒ iMoneyBot
    Rank: -3444   CID: 112564   New: 07/09/2001   Mod: 07/09/2001
    ⇒ EquiPrime
    Rank: -3473   CID: 82074   New: 10/19/1999   Mod: 10/19/1999
    ⇒ Loeza & Associates
    Rank: -3488   CID: 112256   New: 05/26/2001   Mod: 05/26/2001
    ⇒ NETCREDIT
    Rank: -3566   CID: 111399   New: 03/09/2001   Mod: 03/09/2001
    ⇒ Family Life Resources
    Rank: -3621   CID: 110789   New: 01/13/2001   Mod: 01/13/2001
    ⇒ Credit Data Southwest
    Rank: -3727   CID: 69018   New: 03/29/1999   Mod: 03/29/1999
    ⇒ YourCredit.Com
    Rank: -3739   CID: 64753   New: 03/17/1999   Mod: 03/17/1999
    ⇒ CredAdvice.Com
    Rank: -3877   CID: 107571   New: 05/02/2000   Mod: 05/02/2000
    ⇒ Consumerinfo.com
    Rank: -3885   CID: 103787   New: 04/24/2000   Mod: 04/24/2000
    ⇒ Credit.Com
    Rank: -3943   CID: 45452   New: 07/06/1998   Mod: 07/06/1998
    ⇒ Boscobel Marketing Communications, Inc.
    Rank: -3955   CID: 103913   New: 02/14/2000   Mod: 02/14/2000
    ⇒ Bad Credit Banks
    Rank: -3963   CID: 111967   New: 02/10/2003   Mod: 02/10/2003
    ⇒ MERit Systems, Inc.
    Rank: -3969   CID: 103695   New: 01/31/2000   Mod: 01/31/2000
    ⇒ TheCreditCompany.com
    Rank: -3988   CID: 103464   New: 01/12/2000   Mod: 01/12/2000
    ⇒ QSpace Inc.
    Rank: -4045   CID: 84506   New: 11/16/1999   Mod: 11/16/1999
    ⇒ Pro-link.com
    Rank: -4203   CID: 75386   New: 06/11/1999   Mod: 06/11/1999
    ⇒ Young Enterprises
    Rank: -4228   CID: 72756   New: 05/17/1999   Mod: 05/17/1999
    ⇒ Northcliff Capital Resources
    Rank: -4291   CID: 64587   New: 03/15/1999   Mod: 03/15/1999
    ⇒ Intercept Investigations Ltd.
    Rank: -4382   CID: 61900   New: 12/14/1998   Mod: 12/14/1998
    ⇒ Security National Real Estate Services
    Rank: -4482   CID: 120476   New: 12/22/2004   Mod: 12/22/2004
    ⇒ Credit MDs, Inc.
    Rank: -4508   CID: 46944   New: 08/10/1998   Mod: 08/10/1998
    ⇒ The Credit Alternative Group,Business & Consumer Financ
    Rank: -4537   CID: 120234   New: 10/28/2004   Mod: 10/28/2004
    ⇒ Credit Sense
    Rank: -4579   CID: 45548   New: 07/20/1998   Mod: 07/20/1998
    ⇒ Credit Institute of Canada
    Rank: -4622   CID: 101582   New: 10/15/1996   Mod: 10/15/1996
    ⇒ BCB
    Rank: -4635   CID: 111815   New: 04/09/2001   Mod: 04/09/2001
    ⇒ EDS
    Rank: -4654   CID: 4863   New: 04/16/1996   Mod: 04/16/1996
    ⇒ Lyons Publishing
    Rank: -4703   CID: 9795   New: 01/27/1998   Mod: 01/27/1998
    ⇒ Equifax
    Rank: -4704   CID: 91232   New: 02/26/1996   Mod: 02/26/1996
    ⇒ MERit Credit Systems
    Rank: -4721   CID: 110777   New: 01/13/2001   Mod: 01/13/2001
    ⇒ The Credit Network
    Rank: -4736   CID: 630   New: 01/25/1996   Mod: 01/25/1996
    ⇒ CreditInfo.Com
    Rank: -4752   CID: 97410   New: 06/07/1996   Mod: 06/07/1996
    ⇒ United Debt Counseling, Inc.
    Rank: -4761   CID: 97140   New: 05/29/1996   Mod: 05/29/1996
    ⇒ Bank of the Southwest
    Rank: -4761   CID: 97141   New: 05/29/1996   Mod: 05/29/1996
    ⇒ Consumer Assistance & Mediation Link
    Rank: -4769   CID: 96575   New: 05/21/1996   Mod: 05/21/1996
    ⇒ National Information Bureau, Ltd
    Rank: -4769   CID: 96577   New: 05/21/1996   Mod: 05/21/1996
    ⇒ TWR Credit Services Co.
    Rank: -4769   CID: 96622   New: 05/21/1996   Mod: 05/21/1996
    ⇒ Consumers First Debt Management Systems
    Rank: -4785   CID: 107517   New: 11/10/2000   Mod: 11/10/2000
    ⇒ Personal Credit Counseling
    Rank: -4809   CID: 9270   New: 10/13/1997   Mod: 10/13/1997
    ⇒ WEB Nation, Inc.
    Rank: -4945   CID: 8164   New: 05/30/1997   Mod: 05/30/1997
    ⇒ Credit Choice
    Rank: -5051   CID: 7912   New: 04/04/1997   Mod: 04/04/1997
    ⇒ Ambac Indemnity Corporation
    Rank: -5104   CID: 4735   New: 04/16/1996   Mod: 04/16/1996
    ⇒ Advantage Credit Inc. of Colorado
    Rank: -5110   CID: 84281   New: 11/01/1999   Mod: 11/01/1999
    ⇒ BadCredit.Com,Inc
    Rank: -5153   CID: 84425   New: 11/08/1999   Mod: 11/08/1999
    ⇒ J.A.L. Financial
    Rank: -5193   CID: 101075   New: 09/24/1996   Mod: 09/24/1996
    ⇒ Creditech Household Budgeting Service
    Rank: -5243   CID: 101194   New: 09/24/1996   Mod: 09/24/1996
    ⇒ Kreditieren
    Rank: -5375   CID: 4631   New: 03/26/1996   Mod: 03/26/1996
    ⇒ American Credit Connection, Inc.
    Rank: -5416   CID: 94017   New: 02/14/1996   Mod: 02/14/1996
    ⇒ Cofco Credit Company LLC
    Rank: -6001   CID: 8322   New: 07/13/1997   Mod: 07/13/1997
    ⇒ The IHA Credit Center
    Rank: -6283   CID: 103524   New: 01/17/2000   Mod: 01/17/2000
    ⇒ Eagle Marketing
    Rank: -6343   CID: 101294   New: 09/24/1996   Mod: 09/24/1996
    ⇒ Credit Management Information & Support
    Rank: -6438   CID: 6231   New: 05/02/1996   Mod: 05/02/1996
    ⇒ CreditAid
    Rank: -6777   CID: 48616   New: 09/10/1998   Mod: 09/10/1998
    ⇒ Goodman Factors, Inc.
    Rank: -6787   CID: 48423   New: 08/31/1998   Mod: 08/31/1998
    ⇒ Mortgage Credit Services
    Rank: -7090   CID: 6189   New: 04/30/1996   Mod: 04/30/1996
    ⇒ Credit Rating
    Rank: -7171   CID: 91824   New: 02/09/1996   Mod: 02/09/1996
    ⇒ Financial Independence
    Rank: -8643   CID: 101251   New: 09/24/1996   Mod: 09/24/1996