Downloadable computer software for use in providing credit scores and additive risk credit scores; Downloadable computer software for use in credit management based on mobile behavior; Downloadable computer software for use in financial and insurance risk analysis services, namely, scorecard development, computation and management, evaluation of credit risks through use of algorithms, evaluation of credit risk data to determine mortgage risk, and evaluation of credit bureau data for credit grantors, financial and lending institutions, insurance companies, insurance providers and insurance payors, and healthcare industries; Downloadable computer software for use in credit bureau score updating services, credit risk scoring services and customer credit evaluation; Downloadable computer software for use in providing information in the fields of credit rating in the nature of modeling, scoring and analytics; Downloadable computer software for use in monitoring user behavior to generate a credit score for the purpose of providing and refinancing loans; Downloadable computer software for use in analyzing data points from various sources including mobile phone usage, bill payment records, loan payment records and other user actions and behaviors to evaluate eligibility for loan refinancing; Downloadable computer software for use in analyzing cellular phone usage, bill and loan payment records and user behavior to determine alternative credit scores for users and build credit and trust for loans, insurance and other financial services