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                                                            EXHIBIT 23.1


                CONSENT AND REPORT OF INDEPENDENT CERTIFIED
                             PUBLIC ACCOUNTANT


We hereby consent to the use of our report dated September 21, 2000, on the
financial statements of Credit Concepts, Inc. in the Annual Report on Form
10-KSB (File No. 333-66853).


/s/ Moss Adams LLP


Portland, Oregon
October 14, 2000



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