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