Direct marketing services for others, namely, providing direct marketing lists to others; providing access to databases in the field of fraud detection and background investigation and research services; direct marketing list selection, acquisition, and maintenance; preparation and maintaining marketing lists in the nature of removing duplicate data from direct marketing lists and correcting erroneous data in direct marketing lists; marketing list enhancement in the nature of adding supplemental or updated data to direct marketing lists; direct marketing campaign management; direct marketing analysis for others using business models and various scoring programs; business consultation services in the fields of direct marketing advertising and consumer information privacy

Fraud detection services in the fields of credit card transactions, banking, and insurance; background investigation and research services