Advisory services relating to credit and debit control, investment, grants and financing of loans, namely, by providing, collecting, and analyzing information and data concerning credit worthiness of companies and individuals; evaluation of the credit worthiness of companies and private individuals, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial services in the nature of evaluating the credit worthiness of companies and individuals, namely, using data and information gathered from social media to provide a more accurate assessment of credit worthiness and creating reputational scores of borrowers for use in offering better-value consumer loans

Software as a service (SAAS) services featuring software for use in the collection, storage, analysis and management of personal financial credit and reputational attributes of registered members; computer services, namely, creating an on-line community for registered users to help members manage their financial reputation, attain and manage a financial and reputational credit score; providing an on-line network environment featuring technology 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 and personal reputation and connections with interested financial service providers; providing online non-downloadable computer software to simulate a credit score, permitting lenders and issuers of credit to simulate applicants credit scores by selecting personal reputational data variables to show the effect of the different variables on the applicant's credit scores; providing online non-downloadable computer software to simulate credit scores in the fields of credit risk management