Financial services, namely, debt resolution services in the nature of debt reduction, settlement, and elimination; Consumer credit consultation; Credit reporting services; Consumer financial services, namely, consumer credit management in the nature of credit risk management and debt management, consumer credit reporting services, and credit counseling; Credit analysis, namely, 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 report activity to detect fraud via the internet; Electronic monitoring of credit reports to detect changes in consumer credit ratings on behalf of consumers to detect unauthorized access; 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