+my @usernum = map $_->[0], @{$sth->fetchall_arrayref};
+my %access_user =
+ map { $_ => qsearchs('access_user',{'usernum'=>$_})->username }
+ @usernum;
+
+my $unapplied = $cgi->param('unapplied') ? 1 : 0;
+
+my $title = $cgi->param('unapplied') ?
+ 'Unapplied credit report' : 'Credit report';