Credit inquiry; evaluation of credit bureau data; credit risk management

Application service provider featuring software for use as a decision engine in the field of lending, credit aplication processing, risk analysis, data analysis, risk modeling and analytics, credit score calculation and decisioning; application service provider featuring software for use in the real-time creation of documents based on standard templates and dynamic content from a variety of sources and channels; application service provider in the lending field, namely, software that allows real- or near real-time modification of attributes used in business rules; application service provider in the lending field for the purpose of generating dynamic reports and analytic information from a variety of data sources and channels; application service provider featuring software in the lending field for use in evaluating applications, acquiring third party data, performing risk analysis, conducting identity verification, and conducting fraud investigation, resulting in statistically valid, real-time credit decisioning; application service provider featuring software in the lending field, namely, software for providing a single, real-time credit prescreen based on third party vendor or credit bureau data; application service provider in the lending field, providing a graphical user interface for use in the generation and design of web-based screens and the underlying service to display those screens and provide user interactions with those screens