Computer programming services, namely, creating an on-line community for registered users to help members manage their financial reputation, attain and manage a financial credit score, manage relationships with lenders, participate in on-line discussions, and engage in social, business and community lending; providing an on-line network service that enables registered users to transfer personal identity data to and share personal identity data with and among multiple websites; providing a web site featuring technology that enables registered users to create personal profiles featuring social networking information and to manage their financial reputation and connections with interested financial service providers