Data management services with relation to strategy, marketing, sales, operation, product design particularly specializing in the use of analytic and statistic models for the understanding and predicting of consumers, businesses, and market trends and actions; Business management consulting with relation to strategy, marketing, sales, operation, product design particularly specializing in the use of analytic and statistic models for the understanding and predicting of consumers, businesses, and market trends and actions; Business consulting services, namely, aggregating and providing data and information to assist others with the evaluation of customer qualification for particular offers, programs, incentives and rate structures; Business marketing services based on consumer credit reports and scores of others; Providing consumer information in the field of credit lending; Providing statistical data on consumer credit scores for the purpose of assisting businesses in making consumer credit decisions

Financial credit modeling, namely, the evaluation of credit and other personal data as credit risk predictors; Providing information and on-line computer databases in the fields of insurance, finance and real estate to assist businesses in the insurance, financial and real estate industries with evaluation of potential customers and decision management with regard to service offerings; Financial consulting services, namely, advising others regarding their credit operations and collections activities