CREDIT MANAGEMENT SOLUTIONS INC
10-K, 2000-03-30
COMPUTER PROGRAMMING SERVICES
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    EXHIBIT 23.1  

CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement (Form S-8 No. 333-37151) pertaining to the Credit Management Solutions, Inc. 1997 Stock Incentive Plan, of our report dated February 25, 2000 with respect to the consolidated financial statements of Credit Management Solutions, Inc. included in the Annual Report (Form 10-K) for the year ended December 31, 1999.

  /s/ Ernst & Young LLP  

Baltimore, Maryland
March 28, 2000



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