Credit scoring services; credit risk management services; financial analysis and consultation; financial information provided by electronic means; providing information in the fields of credit rating in the nature of modeling, scoring and analytics; financial risk management; financial portfolio management; providing information about credit scores and credit management; financial management; consultation on debt recovery and collection; financial and insurance risk analysis services, namely, scorecard development, computation and management; evaluating credit risks through use of algorithms; evaluation of credit risk data to determine mortgage risk; evaluating credit bureau data for credit grantors, financial and lending institutions, insurance companies, insurance providers and insurance payors; credit bureau score updating services; small business credit risk scoring services; consultation services in the field of financial information; financial consulting services in the field of portfolio risk and profits for consumer credit lenders, namely, product planning, account acquisition, management and collections, and management information system and organizational structure; information services in the field of credit scoring, customer credit evaluation and customer collections