Credit Online's CreditConnection Now Available Through Autofusion's Suite of Products and Services

    ANNAPOLIS JUNCTION, Md., Feb. 3 Credit Online, Inc., a
wholly owned subsidiary of Credit Management Solutions, Inc.
announced today that Autofusion Corporation, a leader in Internet car-buying
technology, will become an authorized reseller of Credit Online's technology,
including its CreditConnection(R) dealership tools and WebFinance module for
Internet financing capability.
    CreditConnection allows dealers to access the CreditOnline(TM) Network,
which connects them to credit bureaus and multiple funding sources throughout
the U.S. and Canada via the Internet.  The WebFinance module allows a
dealership to offer Internet shoppers to apply for financing without leaving
the dealer's Web site.  Whether a customer approaches the dealership from the
Internet or from within the store itself, the dealer can access the credit
bureau, submit the application, receive the decision, and monitor the
financing process from start to finish.  Available 24 hours a day, seven days
a week, CreditConnection delivers real-time connectivity that shortens the
credit decision process from days to minutes.  In addition, CreditConnection
provides a host of analysis and management tools that streamline work in the
dealership Finance & Insurance (F&I) office and increase productivity in this
important profit center.
    Autofusion Corporation is a leading provider of products and services for
automotive e-commerce. The company's offerings facilitate significant sales
efficiencies for auto retailers and other auto related companies. Among its
suite of products are Select-A-Car(TM), a configuration tool that allows
consumers to match their individual needs and preferences with specific car
makes, models, and options, and configure up to four autos for side-by-side
comparison, as well as several other dealer products ranging from web site
design to lead management systems. Select-A-Car also allows Autofusion to sell
configured leads to dealers at wholesale prices. Through Autofusion's Multi-
Price(TM) comparison shopping system, consumers receive this pricing and other
information from several Autofusion retail partners.
    "We're very pleased that Autofusion has chosen to add CreditConnection to
the Autofusion Suite of Products and Services they offer to dealerships," said
Howard L. Tischler, President and CEO of Credit Online, Inc.  "Working with
leading suppliers like Autofusion is part of our plan to provide dealers with
the broadest possible access to our innovative dealership solutions."
    "Offering the CreditConnection F&I management tools and WebFinance module
is the newest step in our strategy to provide dealers with the latest and most
efficient tools possible to help them take control of the entire F&I process,"
said Louis P. Urbano, Chief Executive Officer of AutoFusion.  "This alliance
represents a significant step for Autofusion and solidifies our position as
leaders in developing the dealer-centric Internet model where consumers build
vehicles and apply for credit online and where Autofusion brings buyers and
dealers together for the vehicle purchase and the vehicle financing."

    About CMSI
    Since it was founded in 1987, CMSI has been a premier provider of credit
automation software and services, including Internet-based online lending and
leasing technology. The Company's e-commerce subsidiary, Credit Online, Inc.,
credit-enables business-to-business transactions through its Internet gateway
and its patented CreditConnection technology
(http://www.creditconnection.com ), which links credit originators such as
automobile dealers and borrowers with an extensive network of leading prime
and non-prime lenders. Through its CMSI Systems, Inc. subsidiary, CMSI
licenses credit decisioning and other automation systems and services for
consumer and business credit that have been the choice of leading lending
institutions and numerous other businesses.  CreditConnection and CreditOnline
are trademarks or registered trademarks of Credit Management Solutions, Inc.

    About Autofusion Corporation
    Autofusion Corporation is a leading provider of products and services for
automotive e-commerce. The company's offerings help consumers select cars,
match consumer selections with dealer inventory, and facilitate best prices
for consumers and significant sales efficiencies for dealers. Portals, auto-
related sites and dealers are increasing revenues with Autofusion's solutions.
Select-A-Car and Multi-Price(TM) are the core products and services in the
company's Suite of Products and Services. Both are featured on CarPrices.com
(http://www.carprices.com ), Autofusion's successful consumer Web site. The
private company was founded in January 1998 and is headquartered in San Diego.
The company's corporate Web site can be found at http://www.autofusion.com .

    This press release contains forward-looking statements.  All forward-
looking statements involve risks and uncertainties, including, without
limitation, the risks detailed in CMSI's filings and reports with the
Securities and Exchange Commission.  Such statements are only predictions and
actual events or results may differ materially.