Internet and telephone-based credit referral and sales services; arranging sales and credit for said sales for consumers; arranging sales and credit for the sales for businesses; arranging sales and credit for the sales for businesses and consumers featuring homes, buildings, land, condominiums, boats, airplanes, international travel, industrial heavy manufacturing equipment, vehicles, construction equipment, construction vehicles, education, electronic business systems (such as computing equipment and network infrastructure), scientific instrumentation, electrical generation systems, and automobiles; Internet and telephone-based credit and credit referral services; arranging credit for sales for businesses; arranging credit for consumers; arranging credit for businesses and consumers for the purchase of homes, buildings, land, condominiums, boats, airplanes, international travel, industrial heavy manufacturing equipment, vehicles, construction equipment, construction vehicles, education, electronic business systems (such as computing equipment and network infrastructure), scientific instrumentation, electrical generation systems, and automobiles; financial services, namely, arranging credit, arranging for purchases to be made on credit, assisting consumers in obtaining credit for the purchase of goods and services, credit counseling services for persons with past credit problems or a history of what bankruptcy, arranging credit for persons with past credit problems or a history of bankruptcy, and arranging credit for persons with good credit or no credit history