Providing credit, credit risk and fraud detection information by various means, namely, by providing reports, printouts, printed labels, electronic lists, reports and data, CD ROM, magnetic tape and computer disks, and via computer-to-computer transmission of data and email, all featuring computerized print and data selection, arrangement, presentation and distribution in the field of marketing demographics and mailing lists; business management and consulting; business and consumer information services in the field of management of information and data of others; providing marketing demographics and preparing mailing lists; consulting and information services concerning consumer credit information; consulting and providing business information in the field of computers; computerized management of information and data for others; research services, namely, providing business and market research, and market analysis services; commercial information and directory agencies; preparing business reports; demographic consultation; providing an on-line computer database on the subject of marketing demographics and mailing lists, which features information concerning computerized print and data selection, arrangement, presentation, and distribution of that information; providing an on-line interactive computer database in the fields of marketing demographics and mailing lists; and providing an on-line computer database in the field of marketing demographics and mailing lists, business consulting services, business marketing and management consulting services, computerized database management and direct mail marketing services