International Recovery Associates, Inc.

Credit Reports

To compliment our extensive range of collection services, International Recovery Associates, Inc. has partnered with
Trans-Union Credit Corporation to include delinquent claims on their database. This service if offered as an alternative
to costly litigation or the account being referred back to you as an uncollectible account . IRA provides this service to
protect your interests and recover more of your lost dollars at no additional cost to you .

Our managers review accounts after exhausting all collection efforts. If an account is deemed uncollectible, IRA
closes out the balance and the account is transmitted to Trans-Union Credit Corporation on a monthly basis to
appear on the debtor's credit report as a past due account. Undisputed accounts, greater than $75.00, having a good
address are eligible to be reported.

Accounts place with Trans-Union would remain on the debtor's credit report for up to 7 years reflecting both your name
and IRA. If the debtor goes for a loan, mortgage or any other possible credit approval source the outstanding debt
would appear. This would prevent any other credit from being granted. The debtor would then be forced into satisfying
the debt in order to correct the credit report. When the payment is received, it will be remitted on the current month's
statement as well as reported to Trans-Union.

Finally, please be assured that this that this service is within our right to provide to our clients and is in accordance
with the Fair Debt Collections Practices Act (FDCPA), Fair Credit Reporting Act (FCRA) and
Health Insurance Portability and Accountability Act (HIPAA).