<!-- edited with XMLSPY v5 rel. 2 U (http://www.xmlspy.com) by Robb Murdock (Luxor Technologies, Inc.) -->
<!-- edited with XML Spy v4.4 U (http://www.xmlspy.com) by Robb Murdock (Luxor Technologies, Inc.) -->
<SEGMENTS xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="C:\credimetrics\XML\MergeResponse.xsd">
	<IDENTIFICATION>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<LASTNAME/>
		<FIRSTNAME/>
		<MIDDLENAME/>
		<PREFIX/>
		<SUBSSN/>
		<SUBDOB/>
		<SUBDOBTYPE/>
		<ONFILESINCE/>
		<SPSNAME/>
		<SPSSSN/>
		<PHONE/>
		<DRVLICENSE/>
		<NAMEMATCH/>
		<SSNMATCH/>
		<SUFFIX/>
		<RecordId/>
		<AncestorXML/>
	</IDENTIFICATION>
	<ADDRESS>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<TYPE/>
		<HOUSENBR/>
		<DIRECTION/>
		<STREET/>
		<STRTYPE/>
		<UNITNBR/>
		<CITY/>
		<STATE/>
		<ZIP/>
		<DATERPTD/>
		<PHONENBR/>
		<FINOBCODE/>
		<DATESINCE/>
		<FREEFORM/>
		<RecordId/>
		<AncestorXML/>
	</ADDRESS>
	<EMPLOYMENT>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<EMPLNAME/>
		<OCCUPATION/>
		<ADDRESS1/>
		<ADDRESS2/>
		<CITY/>
		<STATE/>
		<ZIP/>
		<DATERPTD/>
		<FIRSTRPTD/>
		<HIREDATE/>
		<TERMDATE/>
		<INCOME/>
		<PAYRATE/>
		<RecordId/>
		<AncestorXML/>
	</EMPLOYMENT>
	<INQUIRY>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<DATE/>
		<ACCTNBR/>
		<INDUSTRYCODE/>
		<MEMBERNBR/>
		<NAME/>
		<PRODUCTCODE/>
		<RecordId/>
		<AncestorXML/>
	</INQUIRY>
	<CONSUMER_STATEMENT>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<TYPE/>
		<DATERPTD/>
		<PURGEDATE/>
		<TEXTLEN/>
		<TEXT/>
		<RecordId/>
		<AncestorXML/>
	</CONSUMER_STATEMENT>
	<CREDITOR>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<MEMBERNBR/>
		<MEMBERNAME/>
		<PHONENBR/>
		<CONTACTTYPE/>
		<ADDRESS1/>
		<ADDRESS2/>
		<CITY/>
		<STATE/>
		<ZIP/>
		<EXTENSION/>
		<RecordId/>
		<AncestorXML/>
	</CREDITOR>
	<AKA>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<LASTNAME/>
		<FIRSTNAME/>
		<MIDNAME/>
		<SUFFIX/>
		<SPOUSENAME/>
		<MSGTYPE/>
		<MESSAGE/>
		<PREFIX/>
		<RecordId/>
		<AncestorXML/>
	</AKA>
	<CONSUMER_REFERRAL>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<OFFICE/>
		<ADDRESS1/>
		<ADDRESS2/>
		<CITY/>
		<STATE/>
		<ZIP/>
		<PHONE/>
		<RecordId/>
		<AncestorXML/>
	</CONSUMER_REFERRAL>
	<BANKING>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<MEMBERNBR/>
		<MEMBERNAME/>
		<DATEOPEN/>
		<ACCTTYPE/>
		<BALANCE/>
		<ACCTNBR/>
		<DATERPTD/>
		<DATECLOSED/>
		<ECOACODE/>
		<FOOTNOTE/>
		<REASONCODE/>
		<RecordId/>
		<AncestorXML/>
	</BANKING>
	<SCORE>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<TYPE/>
		<SCORE/>
		<SIGN/>
		<FACTOR1/>
		<FACTOR2/>
		<FACTOR3/>
		<FACTOR4/>
		<ERRORCODE/>
		<FACTOR1TXT/>
		<FACTOR2TXT/>
		<FACTOR3TXT/>
		<FACTOR4TXT/>
		<ERRORTXT/>
		<DEBTTOINCPCT/>
		<INCRANGELOW/>
		<INCRANGEHIGH/>
		<SCORECARD/>
		<RecordId/>
		<AncestorXML/>
	</SCORE>
	<MISCELLANEOUS>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<TYPE/>
		<TEXTLEN/>
		<TEXT/>
		<RecordId/>
		<AncestorXML/>
	</MISCELLANEOUS>
	<PUBLIC_RECORD>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<FILEDATE/>
		<RPTDATE/>
		<AMOUNT/>
		<MISCDATE/>
		<MISCDATETYPE/>
		<SATISDATE/>
		<STATUS/>
		<INDUSTRYCODE/>
		<MEMBERNBR/>
		<COURTNAME/>
		<PRTYPE/>
		<ATTORNEY/>
		<DOCKET/>
		<PLAINTIFF/>
		<ASSET/>
		<LIABILITY/>
		<EXEMPT/>
		<ECOA/>
		<CONSTMT/>
		<DISPUTEIND/>
		<BKTYPE/>
		<BOOKPAGE/>
		<FOOTNOTE/>
		<DEFENDANT/>
		<ACBCODE/>
		<ADDLTEXT/>
		<ADDLTEXTTYPE/>
		<DEROGIND/>
		<MONTHSACTIVE/>
		<COURTLOCATION/>
		<COURTSTATE/>
		<RecordId/>
		<AncestorXML/>
	</PUBLIC_RECORD>
	<REPORT_HEADER>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<REFNUMBER/>
		<REPORTDATE/>
		<REPORTTIME/>
		<CONSREFERRAL/>
		<PAPPLRTNCOD/>
		<SAPPLRTNCOD/>
		<TTYREPORT/>
		<PAPPLDECIND/>
		<SAPPLDECIND/>
		<RecordId/>
		<AncestorXML/>
	</REPORT_HEADER>
	<BUREAU_ERROR>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<ERRORCODE/>
		<ERRORTYPE/>
		<ACTIONIND/>
		<ERRORMSG/>
		<RecordId/>
		<AncestorXML/>
	</BUREAU_ERROR>
	<TRADELINE>
		<IDENTNBR/>
		<IDMATCH/>
		<MERGEKEY/>
		<SOURCE/>
		<ACCTNAME/>
		<MEMBERNBR/>
		<INDUSTRYCODE/>
		<ACCTTYPE/>
		<ACCTNBR/>
		<DATERPTD/>
		<DATEOPEN/>
		<HIGHCREDIT/>
		<CREDITLIMIT/>
		<CURRMOP/>
		<CLOSEDIND/>
		<BALANCE/>
		<PASTDUEAMT/>
		<MAXDLQDATE/>
		<MAXDLQMOP/>
		<MAXDLQAMT/>
		<PAYMENTAMT/>
		<PYMTFREQ/>
		<PYMTNBR/>
		<PRODUCTCODE/>
		<FOOTNOTE/>
		<COLLATERAL/>
		<ECOACODE/>
		<HISTDATE/>
		<PATTERN/>
		<DATEPAID/>
		<NBRPASTDUE/>
		<MONTHSREV/>
		<NBR30/>
		<NBR60/>
		<NBR90/>
		<CONSTMT/>
		<DISPUTEIND/>
		<DATECLOSED/>
		<LASTACTIVE/>
		<CHGOFFAMT/>
		<BALDATE/>
		<BALLOONDUE/>
		<BALLOONAMT/>
		<DEROGIND/>
		<DECEASEDIND/>
		<ORIGINAL/>
		<SOLDTO/>
		<MONTHSRPTD/>
		<MONTHSOPEN/>
		<ACCTCOND/>
		<COLLTYPE/>
		<LASTDLQ/>
		<DEFAULTDATE/>
		<CURRENCY/>
		<RecordId/>
		<AncestorXML/>
	</TRADELINE>
</SEGMENTS>
