VENGROFF, WILLIAMS AND ASSOCIATES, INC. PARTNERS WITH EXPERIAN TO OFFER ON-LINE CREDIT SERVICES

IRVINE, Calif., January 9, 2003 --Vengroff, Williams & Associates, Inc. (VWA), the global leader in the receivable management industry, today announced it has partnered with Experian, the leading provider of custom credit scoring and business related trade line information, to offer on-line credit reporting and other credit application related services.

VENGROFF, WILLIAMS AND ASSOCIATES, INC. PARTNERS WITH EXPERIAN TO OFFER ON-LINE CREDIT SERVICES

New service will include resale of credit tools.

IRVINE, Calif., January 9, 2003 --Vengroff, Williams & Associates, Inc. (VWA), the global leader in the receivable management industry, today announced it has partnered with Experian, the leading provider of custom credit scoring and business related trade line information, to offer on-line credit reporting and other credit application related services.

"Our relationship with Experian will further our ability to meet our customers' credit needs," said Rob Sherman, Vice President of Sales & Marketing. What differentiates VWA from our competitors is the on-line accessibility, competitive pricing and improved analysis capabilities."

I have used VWAs system to score specific customers for special projects and it was fast and accurate. VWA also helped me to negotiate important issues for our company," said Vicky Meyers, credit manager, Mobile Mini.

VWA sees the need for on-line credit services that provide the accessibility to information our customers are seeking, said Joe Vengroff president of VWA." VWA is catering to that niche market".

The new service offers both commercial credit scoring and full business credit reporting. An enhanced web interface allows for pulling real time reports and a complete batch scoring of acquisition or existing customers is also available to quantify risk of purchase or the assessment of current client base risk.

About Vengroff Williams & Associates, Inc.
Vengroff Williams & Associates, Inc. is a global leader and innovator for the receivables management industry. With more than 39 years of experience in asset management, the company is able to implement more sophisticated strategies to meet customer needs. The company offers a myriad of services such as third party collections, credit investigations, liquidations, factoring, billing, outsourcing and other financial services. To learn more, visit us at www.vwainc.com.

About Experian
Experian® enables organizations to find the best prospects and make fast, informed decisions to improve and personalize relationships with their customers. It does this by combining sophisticated and intelligent decision-making software and systems with some of the worlds most comprehensive databases of information on consumers, businesses, motor vehicles and property. Experian is a subsidiary of GUS plc and has headquarters in Nottingham, UK, and Costa Mesa, Calif. Its 12,000 people support clients in more than 60 countries. Annual sales are approximately $1.5 billion.