SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ----------- FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of earliest event reported) July 31, 2002. THE CREDIT STORE, INC. DELAWARE 000-28709 87-0296990 (State or Other Jurisdiction of Commission file number (I.R.S. Employer Incorporation or Organization) Identification No.) 3401 NORTH LOUISE AVENUE SIOUX FALLS, SOUTH DAKOTA 57107 (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (800) 240-1855 --------------- Not Applicable --------------------------------------------------------------------------- (Former name or former address, if changed since last report) ITEM 5. OTHER EVENTS. On August 2, 2002, the Company issued the press release filed herewith as Exhibit 99.1. In addition, Salvatore J. Zizza and Geoffrey A. Thompson resigned as directors of the Company effective July 31, 2002. ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS. Exhibit 99.1 - Press Release dated August 2, 2002 SIGNATURES In accordance with Section 13 or 15(d) of the Securities Exchange Act of 1934, the issuer has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: August 1, 2002 THE CREDIT STORE, INC. By /s/ Michael J. Philippe -------------------------------- Name: Michael J. Philippe -------------------------------- Title: Chief Financial Officer -------------------------------- EXHIBIT INDEX Exhibit Description Method of Filing - ------- ----------- ---------------- 99.1 Press Release dated August 2, 2002 Filed Electronically