NCO Portfolio Management, Inc. Announces Trading to Begin on February 23, 2001

NCO Portfolio Management, Inc. (OTC Bulletin Board: NCOP), one of the largest publicly traded companies dedicated to the purchase of delinquent consumer debt, announced today that while the merger with Creditrust Corporation (OTC Bulletin Board: CRDT) has been completed, trading will continue as CRDT through today, February 22, 2001. Trading of NCOP common stock is expected to begin tomorrow. It is important to note that the exchange ratios discussed below will not be reflected until such time as the stock trades as ?NCOP.?

Each holder of a share of CRDT common stock will initially receive 0.1388 shares of NCOP common stock, and will be eligible to receive up to an additional 0.0279 shares, currently held in escrow, based on the resolution of certain disputed claims.

As previously announced, after the merger, NCOP shares will initially trade on the Over the Counter (?OTC?) market. After approximately three weeks the stock is expected to transition to Nasdaq National Markets. Five brokers have indicated that they intend to make a market in NCOP’s stock. Several of NCO Group’s research analysts intend to initiate coverage on NCOP shortly after the stock is listed on the Nasdaq.