Consumer financial services, namely, consumer credit consultation in the areas of consumer credit risk management, consumer credit reporting services, and credit counseling services; providing credit consultation featuring an analysis of consumers' own credit scores for purposes of improving credit ratings; consumer credit counseling for purposes of improving credit ratings; credit reporting service provider, namely, providing consumer credit reports and credit scores maintained by others; consultation in the field of consumer credit, namely, providing information regarding how credit scores are affected by various activities

Electronic monitoring of credit reports to detect changes in consumer credit ratings for purposes of notifying 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; hosting an interactive website that allows users to view their personal credit report and score information, review notifications regarding changes in credit information or potential identity theft including electronic monitoring of personally identifying information to detect identity theft via the internet