data management services with relation to strategy, marketing, operation, and product design specializing in the use of analytic and statistical models for the understanding and predicting of consumers, businesses, and market trends and actions; business management consulting with relation to strategy, marketing, sales, operation and product design specializing in the use of analytic and statistical models for the understanding and predicting of customers, businesses, and market trends and actions; business consulting services, namely, aggregating and providing data and information to assist others with the evaluation of customer qualification for particular offers, programs, incentives and rate structures; business marketing services based on consumer credit reports and scores of others; providing consumer information in the field of credit lending

consumer lending services; installment loans; providing personal loans and lines of credit; investment advice and consultation; credit counseling services; banking; financial services in the nature of credit modeling, namely, the evaluation of credit and other data as credit risk protectors, credit scoring services and analytical services, namely, evaluation of credit and other data as credit risk protectors, all for the purpose of evaluating creditworthiness; providing website information in the field of credit scoring and credit management; financial information services, namely, providing consumers with information that businesses, banks, and others use to make credit decisions; credit information services, namely, providing credit information relating to consumer applicants for credit; providing information and on-line computer databases in the fields of insurance, finance and real estate to assist businesses in the insurance, financial and real-estate industries with the evaluation of potential customers and decision management with regard to service offerings; financial data analysis in the nature of providing statistical data on consumer credit scores for the purpose of assisting businesses in making credit decisions

platform as a service (PAAS) featuring computer software platforms for business data analysis in the field of credit lending and financial credit modeling; software as a service (SAAS) services featuring software for use in predictive analysis and decision management in the field of credit lending and financial credit modeling; software as a service (SAAS) services featuring software for business data analysis in the field of consumer credit; software as a service (SAAS) services featuring software for decision modeling, namely, for the purpose of evaluating, analyzing, and collecting consumer-credit and financial data; software as a service (SAAS) services featuring software for business rule management, namely, for the purpose of tracking, analyzing, and forecasting data for finance and credit lending; data automation and collection services using proprietary software to evaluate, analyze, and collect consumer- credit data and financial data; electronic monitoring of credit application and data to detect fraud via the Internet; electronic monitoring of personally identifying information to detect identity theft via the Internet

personal background investigations that include identification verification; conducting background investigation and research for security or authentication purposes through the investigation of assets, credit reports, fiscal assessments, and collection reports