consumer, business and commercial credit information services; providing credit reports; providing credit information; evaluation and analysis of credit data; credit inquiry, monitoring and consultation; credit reporting; credit risk analysis and credit scoring; credit monitoring; account monitoring; providing credit advice; debt collection assistance services; bankruptcy notification; collection reporting; fraud loss assistance; providing information and data for use in credit management; evaluation of credit bureau data; financial research and information provided by electronic means; financial and payment forecasting; computerized business credit reporting; providing business profile reports; providing public record trade, payment, and business background information