credit information services, namely, providing credit information relating to individuals; credit reporting services; financial guarantee services; financing of guarantees; guarantee insurance services; providing financial guarantees; rental guarantee services; facilitating transfers of electronic cash equivalents; arranging of rental agreements for real estate; providing financial information relating to the creditworthiness of individuals; real estate and housing management; rent payment reporting services; tenant rental applications; lease applications; online rental applications; rental application approval; financial services, namely credit repair and restoration; credit inquiry and consultation services; credit risk management; rent payment reporting to credit bureau; credit building; credit monitoring.