Software as a Service (SaaS) services featuring non-downloadable computer software for financial guarantee services, financing of guarantees, guarantee insurance services, providing financial guarantees, rental guarantee services, facilitating transfers of electronic cash equivalents, credit information services, namely, providing credit information relating to individuals, credit reporting services, tenant verification, employment verification, income verification, identity verification, public record investigation services, tenant screening, tenant rental applications, 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, and credit monitoring.