[petitfour]

The link I posted above shows a business affiliation made by Millenium Information Services at the end of 2003 to a company called Fair Isaac. Here is a page from the Fair Isaac website with their associations. Lots of Beijing and Korea and RAT familiar liasons here:

http://www.fairisaac.com/Fairisaac/Partners/Directory/International+Distributors.htm

[petitfour]

Sheesh. Did I step in it? Fair Isaac is THE credit reporting formula calculator.