CREDIT STORE INC S-1/A

AMENDMENT NO. 1

AGREEMENT BETWEEN THE COMPANY & J.L.B. OF NEVADA

AGREEMENT BETWEEN THE COMPANY AND J.L.B.

SEVENTH AMENDMENT TO LOAN & SECURITY AGREEMENT

EIGHTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

CREDIT AND SECURITY AGREEMENT, DATED MAY 1, 2001

RECEIVABLE PURCHASE AGREEMENT DATED MAY 1, 2001

FEB 2001 AMENDMENT TO THE REPURCHASE AGREEMENT

MAY AMENDMENT TO THE REPURCHASE AGREEMENT

AMENDMENT TO SUBORDINATED GRID PROMISSORY NOTES

COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES

LIST OF SUBSIDIARIES

CONSENT OF INDEPENDENT