Collection of debts; Credit agencies; Credit and loan services; Credit bureau services; Credit bureaux; Credit consultation; Credit recovery and collection; Credit reporting agency; Credit reporting services; Credit risk management; Credit union services; Credit unions; Debt collection; Debt collection agency services; Debt recovery and collection agencies; Financial services, namely, credit agencies featuring credit processing, namely, credit checking, credit analyzing, and financial reporting services; Financial services, namely, operation and management of hedge funds, commodity pools and other collective investment vehicles, and trading for others of securities, options, futures, derivatives, debt instruments and commodities; International collections finance, open account finance and supply chain finance, namely, the settling of international and commercial transactions through obtaining the proceeds of a sale in cash or in exchange for formal debt instructions; Issuing of credit cards; Issuing of letters of credit