Downloadable software and software recorded on data media for use in the fields of credit bureaux, credit consultancy, billing, credit applications, credit assessment and credit screening, credit scorecards, credit strategy, fraud prevention and fraud detection, geodemographic analysis and profiling, identity verification, identity authentication, vehicles, real property ownership, asset ownership and accounts and accounting, specifically, for use in data analysis to generate customizable reports and decision analyses; downloadable databases and databases recorded on computer media in the fields of credit bureaux, credit consultancy, billing, credit applications, credit assessment and credit screening, credit scorecards, credit strategy, fraud prevention and fraud detection, geodemographic analysis and profiling, identity verification, identity authentication, vehicles, real property ownership, asset ownership and accounts and accounting

Business consultancy services relating to credit bureaux, credit consultancy, billing, credit applications, credit assessment and credit screening, credit scorecards, credit strategy, fraud prevention and fraud detection, geodemographic analysis and profiling, identity verification, identity authentication, vehicles, real property ownership, asset ownership and accounts and accounting; Computer based data analysis services for business consultation purposes, namely, generation of customizable reports and decision analyses relating to the aforesaid services

Credit bureaux and credit agency services; credit reference services, namely, providing credit information and credit analysis services to third parties for their use in assessing the credit worthiness of customer and potential customers; credit rating services; credit application processing services, namely, providing credit information and credit analysis services to lenders and issuers of credit to facilitate a rapid assessment of credit worthiness; credit strategy management services, namely, financial advisory services to lenders about their credit strategy; debt collection services; Computer based data analysis services, namely, generation of customizable reports and decision analyses relating to the aforesaid services

Computer programming services relating to credit bureaux, credit consultancy, billing, credit applications, credit assessment and credit screening, credit scorecards, credit strategy, fraud prevention and fraud detection, geodemographic analysis and profiling, identity verification, identity authentication, vehicles, real property ownership, asset ownership and accounts and accounting

Fraud detection services in the fields of billing, credit, identity verification and authentication, vehicles, real property ownership, asset ownership, accounts, accounting, lending, credit cards, banking, financial services, e-commerce, retail, payment transactions and business transactions; fraud prevention services, namely, verifying personal and business information, background credentials, assets and liabilities, credit history, and financial data to detect and prevent fraudulent activity; personal identity verification and authentication services, namely, providing authentication of personal identification information; passport authentication and verification services, namely, providing authentication of personal identification information as it relates to passport; provision of information about criminals or suspected criminals for the purposes of prevention or detection of fraud, namely, providing information in the field of fraud detection; Computer based data analysis services, namely, generation of customizable reports and decision analyses relating to the aforesaid services