monitoring public records and consumer credit reports and providing an alert as to any changes therein

credit rating and consultation services, namely, providing consumer credit reports, credit scores and analyses; credit consultation services, namely, providing information in the field of credit, credit reports and credit scores; reimbursement of expenses following an occurrence of personal data theft that results in the opening of fraudulent accounts, the obtaining of fraudulent loans or monetary theft, namely, lost wages resulting from time taken off from work to deal with fraud, costs of notary and certified mailing related to fraud affidavits, fees for loan applications when reapplying for loans, attorney fees due to defending suits brought incorrectly by merchants and collection agencies for removing wrongly entered judgments and for challenging information in a credit report

monitoring use of personal information on the internet for purposes of detecting fraud and theft; identity theft risk assessment consulting services; identity theft risk assessment, namely, the provision of information regarding downloadable antivirus software offered by others