EXHIBIT 23.1


               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

      We have issued our report dated July 24, 2000, accompanying the
consolidated financial statements of The Credit Store, Inc. included in the
Amendment No. 1 to the Registration Statement and Prospectus. We consent to the
use of the aforementioned report in this Amendment No. 1 to the Registration
Statement and Prospectus, and to the use of our name as it appears under the
caption "Experts."


        /s/ GRANT THORNTON LLP
        ----------------------
        Minneapolis, Minnesota
        June 15, 2001