1


                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


         The undersigned director and/or officer of The Credit Store, Inc., a
Delaware corporation, does hereby make, constitute, and appoint Kevin T.
Riordan, Michael J. Philippe and Richard S. Angel, and each or any of them
acting individually, the undersigned's true and lawful attorneys-in-fact and
agent, with full power of substitution and resubstitution, for the undersigned
and in the undersigned's name, place, and stead, to sign and affix the
undersigned's name as such director and/or officer of said Corporation to a
Registration Statement on Form S-1 or other applicable form, and any or all
amendments, including post-effective amendments, thereto, and all registration
statements for the same offering that are to be effective upon filing pursuant
to Rule 462(b) under the Securities Act of 1933, as amended (the "Act"), to be
filed by said Corporation with the Securities and Exchange Commission,
Washington, D.C. in connection with the registration under the Act of debt
securities proposed to be sold by said Corporation, and file the same, with all
exhibits thereto and other supporting documents pertaining to the registration
of the securities covered thereby, with said Commission, granting unto said
attorneys-in-fact and agents, and each or any of them, full power and authority
to do and perform each and every act and thing requisite and necessary or
incidental to the performance and execution of the powers herein expressly
granted, to be done in and about the premises, as fully to all intents and
purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact and agents, or any of them, or their
substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has executed this power of attorney
this 26th day of February, 2001.


                                        /s/ Jay L. Botchman
                                       -----------------------------------------
                                        Jay L. Botchman

   2


                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


         The undersigned director and/or officer of The Credit Store, Inc., a
Delaware corporation, does hereby make, constitute, and appoint Kevin T.
Riordan, Michael J. Philippe and Richard S. Angel, and each or any of them
acting individually, the undersigned's true and lawful attorneys-in-fact and
agent, with full power of substitution and resubstitution, for the undersigned
and in the undersigned's name, place, and stead, to sign and affix the
undersigned's name as such director and/or officer of said Corporation to a
Registration Statement on Form S-1 or other applicable form, and any or all
amendments, including post-effective amendments, thereto, and all registration
statements for the same offering that are to be effective upon filing pursuant
to Rule 462(b) under the Securities Act of 1933, as amended (the "Act"), to be
filed by said Corporation with the Securities and Exchange Commission,
Washington, D.C. in connection with the registration under the Act of debt
securities proposed to be sold by said Corporation, and file the same, with all
exhibits thereto and other supporting documents pertaining to the registration
of the securities covered thereby, with said Commission, granting unto said
attorneys-in-fact and agents, and each or any of them, full power and authority
to do and perform each and every act and thing requisite and necessary or
incidental to the performance and execution of the powers herein expressly
granted, to be done in and about the premises, as fully to all intents and
purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact and agents, or any of them, or their
substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has executed this power of attorney
this 26th day of February, 2001.


                                        /s/ Barry E. Breeman
                                       -----------------------------------------
                                        Barry E. Breeman




   3


                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


         The undersigned director and/or officer of The Credit Store, Inc., a
Delaware corporation, does hereby make, constitute, and appoint Kevin T.
Riordan, Michael J. Philippe and Richard S. Angel, and each or any of them
acting individually, the undersigned's true and lawful attorneys-in-fact and
agent, with full power of substitution and resubstitution, for the undersigned
and in the undersigned's name, place, and stead, to sign and affix the
undersigned's name as such director and/or officer of said Corporation to a
Registration Statement on Form S-1 or other applicable form, and any or all
amendments, including post-effective amendments, thereto, and all registration
statements for the same offering that are to be effective upon filing pursuant
to Rule 462(b) under the Securities Act of 1933, as amended (the "Act"), to be
filed by said Corporation with the Securities and Exchange Commission,
Washington, D.C. in connection with the registration under the Act of debt
securities proposed to be sold by said Corporation, and file the same, with all
exhibits thereto and other supporting documents pertaining to the registration
of the securities covered thereby, with said Commission, granting unto said
attorneys-in-fact and agents, and each or any of them, full power and authority
to do and perform each and every act and thing requisite and necessary or
incidental to the performance and execution of the powers herein expressly
granted, to be done in and about the premises, as fully to all intents and
purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact and agents, or any of them, or their
substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has executed this power of attorney
this 26th day of February, 2001.


                                        /s/ J. Richard Budd, III
                                       -----------------------------------------
                                        J. Richard Budd, III




   4


                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


         The undersigned director and/or officer of The Credit Store, Inc., a
Delaware corporation, does hereby make, constitute, and appoint Kevin T.
Riordan, Michael J. Philippe and Richard S. Angel, and each or any of them
acting individually, the undersigned's true and lawful attorneys-in-fact and
agent, with full power of substitution and resubstitution, for the undersigned
and in the undersigned's name, place, and stead, to sign and affix the
undersigned's name as such director and/or officer of said Corporation to a
Registration Statement on Form S-1 or other applicable form, and any or all
amendments, including post-effective amendments, thereto, and all registration
statements for the same offering that are to be effective upon filing pursuant
to Rule 462(b) under the Securities Act of 1933, as amended (the "Act"), to be
filed by said Corporation with the Securities and Exchange Commission,
Washington, D.C. in connection with the registration under the Act of debt
securities proposed to be sold by said Corporation, and file the same, with all
exhibits thereto and other supporting documents pertaining to the registration
of the securities covered thereby, with said Commission, granting unto said
attorneys-in-fact and agents, and each or any of them, full power and authority
to do and perform each and every act and thing requisite and necessary or
incidental to the performance and execution of the powers herein expressly
granted, to be done in and about the premises, as fully to all intents and
purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact and agents, or any of them, or their
substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has executed this power of attorney
this 26th day of February, 2001.


                                        /s/ Geoffrey A. Thompson
                                       -----------------------------------------
                                        Geoffrey A. Thompson


   5


                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


         The undersigned director and/or officer of The Credit Store, Inc., a
Delaware corporation, does hereby make, constitute, and appoint Kevin T.
Riordan, Michael J. Philippe and Richard S. Angel, and each or any of them
acting individually, the undersigned's true and lawful attorneys-in-fact and
agent, with full power of substitution and resubstitution, for the undersigned
and in the undersigned's name, place, and stead, to sign and affix the
undersigned's name as such director and/or officer of said Corporation to a
Registration Statement on Form S-1 or other applicable form, and any or all
amendments, including post-effective amendments, thereto, and all registration
statements for the same offering that are to be effective upon filing pursuant
to Rule 462(b) under the Securities Act of 1933, as amended (the "Act"), to be
filed by said Corporation with the Securities and Exchange Commission,
Washington, D.C. in connection with the registration under the Act of debt
securities proposed to be sold by said Corporation, and file the same, with all
exhibits thereto and other supporting documents pertaining to the registration
of the securities covered thereby, with said Commission, granting unto said
attorneys-in-fact and agents, and each or any of them, full power and authority
to do and perform each and every act and thing requisite and necessary or
incidental to the performance and execution of the powers herein expressly
granted, to be done in and about the premises, as fully to all intents and
purposes as the undersigned might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact and agents, or any of them, or their
substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

         IN WITNESS WHEREOF, the undersigned has executed this power of attorney
this 26th day of February, 2001.


                                        /s/ Kevin T. Riordan
                                       -----------------------------------------
                                        Kevin T. Riordan