Credit scoring services; credit reporting services; Providing financial information, namely, providing financial information, data and reports in the field of credit and credit scores to individuals; Providing financial information to consumers regarding factors underlying consumer credit scores for the purpose of assisting consumers to raise their credit scores; Providing financial information, namely, providing estimates of consumer credit scores if changes are made to their credit data; Credit counseling services, namely, providing assistance to consumers of identity theft and fraud that affects their credit