Application service provider (ASP) featuring software using artificial intelligence for credit processing, risk analysis, identity verification, data analysis, demographic analysis, risk modeling and analytics, decisioning and analysis, credit reporting, credit letter generation, credit score and hypothetical credit score decisioning and analysis; Application service provider (ASP) featuring software using artificial intelligence for evaluating credit and other data as risk predictors, financial credit risk modeling and analytics, credit score analysis; Application service provider (ASP) featuring software using artificial intelligence in the field of credit application processing, risk analysis, identify verification, consumer, non-regulated, and commercial reporting-agency data analysis, credit risk modeling and analytics, credit letter generation, credit score and hypothetical credit score decisioning and analysis, and credit fraud protection; Application service provider (ASP) featuring software using artificial intelligence for facilitating consumer lending being software for connecting and communicating with vendors, accessing vendor data and analytics; Application service provider (ASP) featuring software using artificial intelligence in the fields of credit evaluation, real estate, consumer lending, mortgages and business loans; Application service provider (ASP) featuring software using artificial intelligence matching borrowers with potential lenders