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UNITED STATES SEC File Number
SECURITIES AND EXCHANGE COMMISSION 333-66853
Washington, D.C. 20549
Cusip Number
None
FORM 12b-25
NOTIFICATION OF LATE FILING
(Check One) [X]Form 10-K [ ]Form 20-F [ ]Form 11- K [ ]Form 10-Q
[ ]Form N-SAR
For Period Ended: JULY 31, 2000
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[ ] Transition Report on Form 10-K
[ ] Transition Report on Form 20-F
[ ] Transition Report on Form 11-K
[ ] Transition Report on Form 10-Q
[ ] Transition Report on Form N-SAR
For the Transition Period Ended: ----------------
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| Read Instruction (on back page) Before Preparing Form. |
| Please Print or Type. |
| Nothing in this form shall be construed to imply that the Commission |
| has verified any information contained herein. |
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If the notification relates to a portion of the filing checked above, identify
the Item(s) to which the notification relates:
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PART I - REGISTRANT INFORMATION
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Full Name of Registrant
CREDIT CONCEPTS, INC.
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Former Name if Applicable
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Address of Principal Executive Office (Street and Number)
2149 CENTENNIAL PLAZA, SUITE 2
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City, State and Zip Code
EUGENE, OREGON 97401
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PART II - RULES 12b-25(b) and (c)
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If the subject report could not be filed without unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following
should be completed. (Check box if appropriate)
| (a) The reasons described in reasonable detail in Part III of this
| form could not be eliminated without unreasonable effort or
| expense;
[X] (b) The subject annual report, on Form 10-K, or portion thereof, will
| be filed on or before the fifteenth calendar day following the
| prescribed due date; and
| (c) The accountant's statement or other exhibit required by Rule
| 12b-25(c) has been attached if applicable.
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PART III -- NARRATIVE
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State below in reasonable detail the reasons why Forms 10-K, 20-F, 11-K, 10-Q,
N-SAR, or the transition report or portion thereof, could not be filed within
the prescribed period:
THE REGISTRANT IS UNABLE TO FILE ITS ANNUAL REPORT ON FORM 10-KSB WITHIN
THE PRESCRIBED TIME PERIOD BECAUSE THE COMPANY HAS EXPERIENCED SOME DIFFICULTY
IN COMPILING ITS FINANCIAL RECORDS TO COMPLETE THE PREPARATION OF THE AUDITED
FINANCIAL STATEMENT FOR THE RELEVANT FISCAL YEAR.
Potential persons who are to respond to
the collection of information contained
(Attach Extra Sheets if Needed) in this form are not required to respond
unless the form displays a currently
valid OMB control number.
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PART IV -- OTHER INFORMATION
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(1) Name and telephone number of person to contact in regard to this
notification
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(Name) (Area Code) (Telephone Number)
Mike Liles, Jr. (206) 224-8068
(2) Have all other periodic reports required under section
13 or 15(d) of the Securities Exchange Act of 1934 or
section 30 of the Investment Company Act of 1940 during
the preceding 12 months or for such shorter period that
the registrant was required to file such report(s) been
filed? If the answer is no, identify report(s). [X] Yes [ ] No
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(3) Is it anticipated that any significant change in results
of operations from the corresponding period for the last
fiscal year will be reflected by the earnings statements
to be included in the subject report or portion thereof?
[ ] Yes [X] No
If so, attach an explanation of the anticipated change, both narratively
and quantitatively, and, if appropriate, state the reasons why a
reasonable estimate of the results cannot be made.
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Credit Concepts, Inc.
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(Name of Registrant as Specified in Charter)
has caused this notification to be signed on its behalf by the undersigned
hereunto duly authorized.
Date: October 31, 2000 /s/ Tom W. Palmer
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Tom W. Palmer, President
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ATTENTION
Intentional misstatements or omissions of fact constitute
Federal Criminal Violations (See 18 U.S.C. 1001).
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ATTACHMENT TO PART II(c)
MOSS-ADAMS LLP
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CERTIFIED PUBLIC ACCOUNTANTS 222 S.W. Columbia Street
Suite 400
Portland, OR 97201
Phone 503.242.1447
Fax 503.274.2789
Offices in Principal Cities of
Washington, Oregon and California
Securities and Exchange Commission
Washington, D.C. 20549
We were retained by Credit Concepts, Inc. as independent certified public
accountants to report on the financial statements as of and for the year ended
July 31, 2000. We are currently waiting on material information from the
Company and third parties and, therefore, as of October 30, 2000, the required
filing date for the Registrants Annual Report on Form 10-KSB, have not formed
an opinion on the Company's financial statements. The information is expected
to be received in time to meet the filing extension deadline provided by Form
12b-25.
/s/ Moss Adams LLP
October 30, 2000
Portland, Oregon
