Providing scores to insurers to predict the potential loss ratio for a given consumer seeking an insurance policy.

Providing insurance information, namely, providing information to others concerning whether an undisclosed driver is living in the same household as an insured driver for purposes of review and verification of life, health, accident, and fire insurance eligibility status and insurance risk assessment.

Identification verification services, namely, providing authentication of personal identification information; Identification verification services, namely, providing authentication of personal identification information via secure storage and transmitting such information via the Internet; Providing user authentication services in e-commerce transactions.

Computer software for use in business applications, namely, for use in information management, information processing, information and database management, for compiling marketing demographics, for making mailing lists, for verifying consumer credit, for insurance risk management, for lending and insurance risk management, and for database management and the management of the data and information of others, and printed material, namely, documentation and instruction manuals, all sold as a unit therewith; computer software to perform computerized print and data selection, arrangement and presentation, in the fields of consumer credit reporting and real estate appraisals, and for use in connection with real property data compiled from public records, marketing demographics, and mailing lists

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; financial and credit information provided by electronic means; credit inquiry and consultation; financial analysis and consultation; information services, namely, providing reports, printouts, printed labels, electronic lists, reports and data, computer-to-computer transmission of data, e- mail, CD ROMS, magnetic tape and computer disks all concerning computerized print and data selection, arrangement, presentation and distribution in the field of consumer credit reporting, real estate appraisal, real property data compiled from public records, pre-employment screening, credit fraud victim assistance, credit fraud detection and prevention, insurance, lending and insurance risk management; consulting and information services concerning financial data and statistics for use by lenders, financial institutions and insurance companies; credit and financial information reporting services provided by computer and on-line means and business and consumer information services in the fields of consumer credit, insurance, pre-employment screening, credit fraud detection and prevention; lending and insurance risk management; computer services, namely, providing a computer database containing information concerning computerized print and data selection, arrangement, presentation and distribution in the fields of commercial and consumer credit reporting, real estate appraisal, and real property data compiled from public records, consumer credit, insurance and lending, and insurance risk management; providing an interactive computer database in the field of commercial and consumer credit reporting, real estate appraisal and real property data compiled from public records; consumer credit, insurance and lending, and insurance risk management. providing an interactive computer service, namely, providing a computer database in the fields of commercial and consumer credit reporting, real estate appraisal and real property data compiled from public records, consumer and commercial credit, pre-employment screening, credit fraud detection and prevention, insurance and lending, and insurance risk management; information services, namely, providing reports, printouts, printed labels, electronic lists, reports and data, computer-to-computer transmission of data, e-mail, CD ROMS, magnetic tape and computer disks concerning computerized print and data selection, arrangement, presentation and distribution in the field of consumer credit reporting, real estate appraisal and real property data compiled from public records, consumer credit, insurance and lending, and insurance risk management; consulting services featuring use of computers in the fields of lending and information management and information related thereto, namely, information technology, information management, information processing, credit and lending risks, and information and database management in the fields of consumer credit, insurance and lending, and insurance risk management; and real estate and mortgage services, namely property inspections and evaluations flood compliance, property and title searches, and mortgage/loan processing assistance; Computer services, namely, providing an on-line computer database and on-line temporary use of related non-downloadable software tools, which enable the user to design and customize the selection, arrangement, presentation, printing and distribution of data, for use in the fields of consumer credit reporting, real estate appraisal, real property, consumer credit, insurance, lending, and insurance risk management; consulting services in the field of computers for use in lending and insurance risk management and providing information related thereto, namely, on information technology, information management, and on information processing; computer consulting and information technology consulting; consulting services in the field of electronic commerce, namely, in using information technology to establish and maintain on-line commerce;

Providing reports that contain credit data on a credit-active population.

Processing of credit applications via mobile networks.

Computer software for application and database integration for use in business applications, namely, for use in information technology, information management, information processing, information and database management, marketing demographics, mailing lists, consumer credit, insurance and lending and insurance risk management and for database management and the management of the data and information of others and printed material, documentation and instruction manuals, all sold as a unit therewith; Database management software for use in business applications, namely, for use in information technology, information management, information processing, information and database management, marketing demographics, mailing lists, consumer credit, insurance and lending and insurance risk management and for database management and the management of the data and information of others and printed material, documentation and instruction manuals, all sold as a unit therewith; Computer software for application and database integration to perform computerized print and data selection, arrangement, presentation, and distribution in the fields of consumer credit reporting, real estate appraisals, real property data compiled from public records, marketing demographics, mailing lists and associated information and reports; Database management software for application and database integration to perform computerized print and data selection, arrangement, presentation and distribution in the fields of consumer credit reporting, real estate appraisals, real property data compiled from public records, marketing demographics, mailing lists and associated information and reports.

Business management and consulting, namely providing business and consumer information in the field of business and commercial information management, marketing demographics and business and commercial mailing lists; business consulting services concerning demographics and business and commercial mailing lists; business consulting services concerning consumer and business information in the field of computers, management of information and data and lending and insurance risk management; and providing business and consumer information relating to computers, management of information and data; research services, namely, providing business and market research, and market analysis services; commercial information agencies; commercial information and directory agencies; preparing business reports; preparing mailing lists; demographic consultation; providing an online database in the field of marketing demographics and mailing lists; providing an interactive online database in the fields of marketing demographics and business and commercial mailing lists; business marketing consulting services, business management consulting services, computerized database management; business marketing and direct mail consulting services and direct mail advertising for others.