Credit and financial consultation; Facilitating and arranging for the financing of consumer purchases from vendors after a consumer is initially denied financing to make a purchase from the vendor, providing benefit to both the consumer and vendor who is then able to recapture unrealized revenue from the willing customer after completion of the desired purchase; Consumer credit consultation; Evaluation of credit bureau data; Evaluation of the credit worthiness of companies and private individuals; Financial services, namely, credit repair and restoration; Providing information in the field of personal finance