Credit reporting service provider, namely, providing consumer credit reports and credit scores maintained by others; Consultation in the field of consumer credit, namely, providing information regarding how credit scores are affected by various activities; providing credit fraud restoration services, namely, providing identity theft insurance coverage underwritten by others and consultation in the field of identity theft in the nature of consultation related to restoring financial damage caused by identity theft; Education services, namely, providing on-line non-downloadable articles in the fields of credit monitoring, fraud and identity theft prevention, and credit improvement; Computer services, namely, hosting an interactive website that allows members secured-access to view their personal credit report and score information, model score changes, review notifications regarding changes in credit information or potential identity theft including electronic monitoring of personally identifying information to detect identity theft via the internet; 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.