From the time stamped, cached database design through the efficiency of the custom report writer, CreditScope is tuned for high performance. The system will run on any standard PC network (or individual PC) that supports standard file locking functions. The application is designed to support multiple concurrent users with a minimum of delays. An innovative time-stamping approach allows fast access to consistent snapshots of the database without excessive copying or locking of records. Frequently accessed data is cached at individual PC's, allowing near-single-user responsiveness because of minimum network traffic.