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