Skokie, IL, October, 2004: PayNet unveils Credit History Report Plus (CHR Plus) to provide UCC Filings as wells as Bankruptcy, Liens and Judgments in one comprehensive view of the borrower. Benefits from CHR Plus include the following:

• Comparable credit payment history to see how your applicant is paying on like leases and loans
• UCC Filings to tell you who the applicant has done prior business with
• Bankruptcy, liens and judgments to indicate the presence of any serious prior credit event.
• A comprehensive view with the comparable payment history plus UCC Filings and Bankruptcies, Liens and Judgments matched into one credit view of your borrower/applicant.

CHR Plus will give you the comprehensive view of your applicants needed to make the critical credit decisions all in one report. You will no longer need to incur the time or cost to gather data from multiple sources. Now you will have access to all important comparable payment history data combined with public filings to speed up your credit decisioning at lower overall cost.

This capability will be available from PayNet starting in January 2005. For more information on how this offering can save you money please contact PayNet for trial access and for pricing based on your volumes.

For trial access please contact Membership at 866-825-3400 or email membership@paynetonline.com.