Consumer financial services, namely, consumer credit management, consumer credit reporting services, credit counseling, and providing consumer information in the field of credit management; providing analysis of consumers' own credit scores for purposes of improving credit ratings; consumer credit counseling for purposes of improving credit ratings; providing consumers with information on predicted impacts of payments, spending, and applications for credit on credit ratings; electronic monitoring of credit cards and credit reports to detect changes in consumer credit ratings on behalf of consumers; providing identity and credit related services to consumers, namely, electronic monitoring of credit reports and credit scores, and providing alerts when suspicious, unusual or other changes occur to the consumer's credit, credit score, or identity data for the purpose of protecting against identity theft and fraud