credit risk management services; financial analysis and consultation; providing information in the fields of credit rating in the nature of modeling, scoring and analytics in the field of financial health management; financial risk management; providing information credit management; financial and insurance risk analysis services, namely, scorecard development, computation and management; evaluating financial data for credit grantors, financial and lending institutions, insurance companies, insurance providers and insurance payers in the field of financial health management; consultation services in the field of financial information in the field of financial health management; financial consulting services in the field financial risk analysis for consumer credit lenders, namely, product planning, account acquisition, management and collections, and management information system and organizational structure; information services in the field of customer credit evaluation and customer collections; providing financial information and financial advice; providing a web site featuring personal financial information and financial advice; providing financial information via a website, namely, providing financial health services for individuals, namely, credit health evaluation services; financial services, namely, provision of financial information, financial health and financial wellness tools and resources

software as a service (SAAS) featuring computer software for data mining and data warehousing services, namely, using proprietary software to evaluate, analyze and collect data for use in modeling, scoring and analytics, marketing and solicitation, account origination, account management and customer management, risk management, credit risk management, portfolio management, communications management and data management in the field of financial health management; providing temporary use of online non-downloadable software for use in accessing and searching databases in the fields of modeling, and analytics, marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management and data management in the field of financial health management; providing temporary online use of non-downloadable software for predictive modeling in the fields of customer marketing, customer business strategy decisions, customer account management and customer risk assessment in the field of financial health management; providing temporary use of online non-downloadable software for predictive modeling and business rules management for use in business decision automation and control systems in the field of financial health management; business information searching and retrieval in the field of modeling, scoring and analytics, financial risk management, risk management, marketing and solicitation, account origination, account management and customer management, portfolio management, communications management and data management for others in the field of financial health management; providing temporary use of online non-downloadable software that enables users to access financial health and wellness tools and resources, to evaluate, monitor, manage and customize financial goals, financial data, financial products, and financial health and wellness goals and outcomes in the field of financial risk management