Monitoring of credit reports, the internet and public records to facilitate the detection and prevention of identity theft and fraud; consultation in, namely, the fields of data theft and identity theft; identity theft protection services, namely, fraud prevention in the form of personal information and financial identity monitoring; fraud resolution assistance, namely, providing advice and consultation in the field of identity theft; providing credit reporting data maintained by others; providing identity theft insurance underwritten by others; credit risk management services, namely, obtaining credit information and other public and personal financial information for use in providing reports on credit risks due to identity theft, credit management services, namely, assistance with restoring credit damaged by identity theft