Computer software for the management and processing of data and information in the fields of management of customer and marketing information, demographics, marketing demographics and mailing lists; computer software to perform the selection and processing of mailing lists, associated information and reports; data analytics software for use in database analysis; computer software for the management of customer and marketing information and data of others; computer software for the selection, arrangement, processing, cleaning, merging, presentation and distribution of data in the fields of management of customer and marketing information, demographics, marketing demographics and mailing lists; computer software for data management, processing and analysis of customer information; computer software for analyzing and tracking data associated with direct mail, telemarketing and e-mail marketing campaigns; computer software to manage customer information and marketing information; computer software to simulate a credit score, permitting lenders and issuers of credit to simulate an applicant's credit scores by selecting data variables to show the affect of the different variables on the applicant's credit scores; computer software to simulate credit scores in the fields of credit risk management and customer relationship management; interactive computer software that permits lenders and issuers of credit to inform applicants as to how certain credit activity will impact their credit scores based upon the applicants current credit history and score; computer software for application and database integration; computer software in the field of credit education to improve financial literacy; user manuals and instructional books sold as a unit with the foregoing; downloadable electronic publications in the nature of user manuals and instructional books in the field of computer software; computer software for tracking web site activity and managing and optimizing the effectiveness and performance of web sites and online marketing campaigns; computer software for web site diagnostic analysis; computer software for use in marketing systems that are designed to link with demographic and geographic database information and are capable of classifying consumer information for profiling, mapping and area analysis; computer 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 and commercial 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 to perform computerized print and data selection, arrangement, presentation and distribution in the fields of consumer commercial credit reporting, real property data compiled from public records, marketing demographics, mailing lists and associated information and reports; computer 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 and commercial 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 to perform computerized print and data selection, arrangement, presentation and distribution in the fields of consumer commercial credit reporting, real property data compiled from public records, marketing demographics, mailing lists and associated information and reports; computer programs for database information management used for marketing and market research; feature of a computer software database interface, namely, context-sensitive on-screen help instruction; computer software for development of consumer credit scoring systems, and manuals related thereto sold together as a unit; computer software that manages strategic and operational management issues in the consumer and business marketing; computer software that scientifically optimizes customer behavior propensities; computer software that values marketing and business initiatives according to financial economic measures and techniques; computer software that manages syndicated business databases; software for loan model-scoring that identifies an individual borrower's likelihood of pre-paying a loan; software that uses mathematical decision-making methodology to set the optimal list price for numerous products and services, to maximize profitability, and to define the best promotional offers and pricing for individual customers and market segments; software that uses mathematical decision-making methodology to identify the optimal customer-level marketing strategies across all channels, including outbound channels, namely, direct mail, telemarketing and e-mail, point-of-sale channels, namely, kiosks, and inbound channels, namely, call centers and a global computer network; mathematical computer software for pre and post charge-off accounts that determines optimal collections strategies and treatment configurations, namely, the sequencing, timing and type of communications, for individual customers in order to maximize the total dollars recovered subject to an organization's risk tolerances and other business restraints; mathematical computer software that maximizes risk-adjusted profitability by configuring and allocating individual consumer credit products, namely, amount, annual percentage rate (apr), and term, based on an organization's overall lending portfolio objectives, acceptable risk tolerances and other business constraints, and effects other user-defined business goals related to price and revenue, namely, account origination, account management, cross-selling and customer retention, by assigning the optimal credit line amount or line adjustment; computer software that implements and electronically disseminates advertising on a global computer information network, computer e-commerce software that scientifically optimizes customer behavior propensities, computer software for use in call centers that scientifically optimizes customer behavior propensities; computer software that implements and manages marketing campaigns conducted via direct mail, e-mail or telesales, computer software that models transactional data from marketing environments, such as web and call centers; computer software that identifies specific advertising from an advertising pool for placement on a global computer information network using customer behavior information, customer averages, and other data supplied by modeling software; computer software that uses mathematical analysis to decide which sales offer from a set of possible sales offers to deliver to individual electronic commerce customers in order to maximize a specific business goal; computer software that plans, organizes, and manages marketing campaigns conducted via direct mail, electronic mail, or telephone marketing; computer software for use in call centers that collects and quantifies customer behavior data for the purpose of understanding customer behavior propensities and that uses the customer behavior data to mathematically match businesses' specific offers with consumers likely to be amenable to those offers; computer software that organizes and charts transactional data from marketing environments, namely, web and call centers; computer software that manages strategic and operational management issues in consumer and business marketing; computer software that scientifically optimizes customer behavior propensities; computer software that values marketing and business initiatives according to financial economic measures and techniques; computer software that manages syndicated business databases; computer software used by professional marketers and financial services organizations to quantify market and financial analysis, simulate buying behavior, produce strategic analysis, and generate financial insights; downloadable electronic publications in the nature of newsletters and magazines in the field of credit information; downloadable electronic publications in the nature of newsletters, informative articles, research materials, reports and journals in the field of credit information; electronic publications, namely, downloadable newsletters in the field of electronic mail, marketing, advertising and promotions; electronic publications namely, downloadable newsletters featuring articles of interest to employees of publisher and affiliated entities of publisher; downloadable electronic publications in the nature of newsletters, reports and written analysis, research studies, and written policy and strategy recommendations in the fields of electronic e-mail, marketing, advertising and customer and prospective customer promotions; computer software for building risk-adjusted pricing strategies for use by financial institutions; computer software for use in managing a bank's business relationship with its clients and for generating and processing commercial loan applications; computer software for use in managing a bank's business relationship with its clients; computer software for use in work flow automation; computer software for use in generating and processing commercial loan applications

Printed research reports and printed reports detailing the make, model, year, usage, title, registration, collision, theft, odometer, emissions and damage histories of motor vehicles; printed reports featuring motor vehicle history; manuals in the field of web-based software for credit services and education, namely, installation, user and deployment guides; educational publications, namely, training manuals in the field of web-based computer software for credit services and education; computer instruction manuals for use with web-based software for credit services and education; printed reports detailing the collision histories of vehicles for use by auctions and automobile dealers; printed reports detailing the collision histories of vehicles; printed instruction manuals, handouts, flyers, newsletters, instructional sheets, and instructional booklets relating to computer software used in the field of marketing; printed reports featuring department of motor vehicles (dmv) analysis about dealers, manufacturers, makes, models, cars, vehicle segments, buyer demographics, and lienholders; magazine in the field of distance learning

Providing business information services in the field of modeling, scoring and analytics, credit and statistical forecasting and analysis; customer relationship management services; advertising services; business marketing consulting services; business marketing services; direct marketing advertising for others; market research services; preparing business and consumer electronic reports detailing the make, model, year, usage, title, registration, collision, theft, odometer, emissions and damage histories of motor vehicles; providing business and consumer information about the make, model, year, usage, title, registration, collision, theft, odometer, emissions and damage histories of motor vehicles; providing business and consumer information in the field of motor vehicle history information; providing an online electronic database in the field of customer and prospective customer information, namely, marketing information, marketing demographics and mailing lists; information services in the field of management of customer and marketing information and data of others, marketing demographics and mailing lists; data and information processing services, namely, data selection, data arrangement, data processing, data cleaning to remove erroneous or unwanted information, data merging and data presentation; providing a computer database, interactive computer database and online computer database in the fields of marketing demographics and mailing lists; management of customer and marketing information and data of others; data processing services, namely, online management and processing of data and information; mailing list preparation, namely, online selection and processing of mailing lists, associated information and reports; analysis and evaluation of marketing data; marketing demographics and mailing list information processing services; providing online reports and information in the field of marketing demographics and mailing lists; Database management services, namely, data selection, data arrangement, data processing, data cleaning to remove erroneous or unwanted information, data merging, data presentation, and data distribution; preparing business electronic reports detailing the make, model, year, usage, title, registration, collision, theft, odometer, emissions and damage histories of motor vehicles; providing business information about the make, model, year, usage, title, registration, collision, theft, odometer, emissions and damage histories of motor vehicles; providing business information in the field of motor vehicle history information; price comparison services; comparison shopping services, namely, providing financial comparison information regarding credit card issuers and credit card offers via a global computer network; marketing list preparation and selection; marketing campaign analysis; marketing consulting; and advertising and marketing services; providing consumer product information on the likelihood that a given vehicle will remain operable through a given future date; consulting in the field of advertising and promotions via electronic mail; management and compilation of computerized databases; providing marketing, business and research information in the areas of analytics and measurement of marketing campaigns via an interactive computer database; providing business and advertising information regarding the compilation and evaluation of data relating to internet web sites and users; providing marketing consultation services, namely, providing information regarding target audiences of publications, advertisements and promotions on the internet; marketing services, namely, preparing advertisements for the products and services of others; marketing services provided to owners and operators of web sites, namely, monitoring website activity in order to manage and optimize the effectiveness of online marketing campaigns; providing an on-line computer database in the fields of business services, namely, customer data integration, customer relationship management, computer database management, data access and data control, direct marketing applications and organizing and managing contact information; business marketing consultation services; data processing services, direct marketing services for others; direct mail consulting services; marketing research services, namely, marketing research in the fields of customer loyalty services, customer targeting services, customer profiling services, alias and association information services; dissemination of business marketing information for others via a global computer network; data management services, namely, integration, consolidation, organization and cleansing of multiple databases; computerized database management; marketing data integration; customer relationship management services; consumer research; information database management services, namely, comparing a customer's client and prospect database to a proprietary database to eliminate duplication and to match data elements to particular individuals in customer's database, assigning to them a unique identification number used to link the individual to a proprietary database, and providing analysis of, and statistics regarding the customer's database; business consultation services, namely, providing information about the collision histories of vehicles to auctions and automobile dealers; business information services, namely, compiling and providing demographic, psychographic, and behavioral data for others; preparation of mailing lists; providing information regarding sales, marketing, and promotions of goods and services for use by publishers, providing business consultation in connection therewith; providing a database featuring information in the field of marketing demographics and mailing lists; database management services featuring data selection, arrangement, and presentation of data in the field of marketing demographics and mailing lists; providing an interactive computer database in the field of marketing demographics and mailing lists; and computer services, namely, providing a computer database in the field of marketing demographics and mailing lists; information services, namely, providing information regarding 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, marketing demographics and mailing lists; consulting and information regarding business information management and data management; 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; and demographic consultation; business research and business consultation services; commercial information agency services; providing and analyzing business marketing information and business strategies; market analysis bureau services; data processing services; cooperative marketing and advertising services; providing business marketing information, namely, consumer names and addresses; direct marketing services featuring a database of consumer names, addresses and marketing information; providing databases featuring information regarding mail order customers and consultation in connection therewith; market research services; business consulting services, namely, assisting businesses with gathering, organizing and analyzing consumer and business market data to maximize business marketing productivity; providing comparison shopping information by means of a global computer network; shopping consultation services provided to consumers, namely, providing consumer advice; providing comparison shopping information by means of a global computer network; monitoring by electronic means of consumer credit reports and providing an alert as to any changes therein by monitoring consumer credit, bank account status and application history; monitoring consumer credit report by electronic means; preparing automated comprehensive business reports for the auto industry, featuring department of motor vehicles (dmv) analysis about dealers, manufacturers, makes, models, cars, vehicle segments, buyer demographics, and lienholders; preparing business and consumer electronic reports detailing the make, model, year, usage, title, registration, collision, theft, odometer, emissions and damage histories of motor vehicles; providing business and consumer information about the make, model, year, usage, title, registration, collision, theft, odometer, emissions and damage histories of motor vehicles; providing business and consumer information in the field of motor vehicle history information; compilation and systemization of information into computer databases featuring electronic mail addresses and contracts for use by online retailers of products and services for targeted markets; cost/price analysis; financial statement preparation and analysis for businesses; business project management services in the field of banking; business management consultation for banking institutions, namely, creation of marketing tools designed to increase a client institution's knowledge of customer needs, and its competitors' products and services, pricing, advertising strategy and sales strategy; business management consultation services, namely, development of analytic strategies regarding the marketing, financing, operation and management of a business enterprise; providing an on-line computer database and website in the field of locating, describing, rating and evaluating a wide variety of retail and consumer goods and services; providing pricing information, price comparisons, and information about the goods and services of others via the global computer network; providing a website which features advertisements for the goods and services of others via the global computer network; business and market research and surveys, and preparing business and market reports; conducting on-line surveys to compile data about businesses and consumers, and preparing and providing related reports; providing a web site where users can post ratings and reviews of consumer goods and services; providing an online marketplace to facilitate commercial transactions between third parties in the selling and purchasing of goods and services; providing an online computer database for locating products for others, describing products, rating products, pricing products and comparing prices of products; advertising and promotional services and related consulting for others using the internet, namely, providing marketing consulting by using the application of search behaviors and patterns to inform offline and online marketing decisions through search engine traffic analysis and reporting; compilation and systemization of information into computer databases; computerized tracking of goods in transit; business marketing services in the nature of measurement, research and analysis of internet use; providing a computer databases in the field of the use of particular sites by measuring the internet audience; customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes; consulting services, namely, evaluating and analyzing financial statistics for use by lenders and financial institutions, credit and financial information reporting services provided by computer and on-line means and business and consumer information services in the fields of consumer and commercial credit, database management in the fields of consumers and commercial credit; providing a computer database containing information regarding the evaluation of real property; database management in the field of consumer and commercial credit, insurance and lending, and insurance risk management; services to determine the audience affected by advertisements; marketing research services, namely, audience research for the entertainment, communications and advertising industry; consumer credit monitoring services; dissemination of advertising and promotional material for others via electronic mail; database management services featuring databases in the field of demographic, credit and marketing data; online computerized databases featuring demographics and marketing data information; online computerized database featuring consumer market research in the areas of product usage, demographics and media exposure; business consultation, namely, consulting regarding customer and business management strategies; providing targeting and reporting services for business purposes related to the dissemination of publications, advertisements and promotions on the Internet

Consulting and information regarding commercial lending services and insurance risk management services; credit bureau and credit reporting services by electronic means; loan processing services for banks over a global computer network; financial consultation, namely, consulting for businesses regarding financial risk management; credit score simulation services, namely, providing credit information and credit analysis services to lenders and issuers of credit that enables a better understanding of the credit applicant's credit status; providing consumers with average consumer credit scores of U.S. citizens against which consumers can compare their individual credit scores; providing financial information to consumers, namely, current average consumer credit scores of U.S. citizens against which consumers can compare their individual score; financial and credit reporting information provided by electronic means; credit inquiry and consultation, namely, credit agency services; information services, namely, providing information featuring financial data and statistics for use by lenders and financial institutions, credit and financial information reporting services provided by computer and on-line means and business and consumer information services in the fields of consumer and commercial credit, and consulting in connection therewith; consulting regarding information in the field of financial management, financial information processing, credit risk management, and financial lending risks; information services in the field of consumer and commercial credit reporting, lending and insurance risk management, namely, providing databases for generating lists, reports and data regarding credit reports, financial lending and insurance risk management; providing an interactive computer service, namely, providing a computer database in the fields of commercial and consumer credit reporting; providing a computer database featuring information in the fields of commercial and consumer credit reporting, and real property data compiled from public records, consumer and commercial credit, insurance and lending, and insurance risk management; providing an interactive computer database in the field of commercial and consumer credit reporting, and real property data compiled from public records, consumer and commercial credit, insurance and lending, and insurance risk management; providing an interactive computer services, namely, providing a computer database in the fields of commercial and consumer credit reporting, and real property data compiled from public records, consumer and commercial credit, insurance and lending, and insurance risk management; information services, namely, information regarding commercial and consumer credit reporting, and real property data compiled from public records, consumer and commercial credit, insurance and financial lending, and insurance risk management; information services regarding consumer and commercial credit reporting, and real property data, insurance, financial lending and insurance risk management; information services, namely, providing information featuring financial data and statistics for use by lenders and financial institutions and insurance companies and credit and financial information reporting services in the fields of consumer and commercial credit, insurance, financial lending and insurance risk management; financial and credit reporting information provided by electronic means; credit agency services, namely, credit reporting inquiry and consultation; financial analysis and consultation; credit reporting services; consumer credit score information provided by electronic means; providing information in the financial and consumer credit fields; financial and consumer credit agency information provided by electronic means; providing financial information and consumer credit information; providing on-line financial calculators, credit score analyzer and providing an on-line computer database in the field of credit reporting, credit rating, credit scores, credit disputes and credit data; consumer credit reporting information provided by electronic means; providing financial information and information regarding credit agency services and credit data; providing on-line financial calculators and credit score analyzer; providing an on-line computer database in the field of credit reporting, credit rating, credit scores, and credit disputes; consumer credit information services; providing to consumers their individual credit rating scores, reports and histories; credit reporting agency services, namely, providing consumer credit reports and consumer credit report history by electronic means; providing a website featuring analysis of consumer credit reports and consumer credit scores; consumer credit information services provided by computer and on-line means and consumer information services in the field of consumer credit; consumer credit information services provided by computer, on-line, electronic and wireless means and consumer information services in the field of consumer credit and credit reporting; identity theft insurance agency services; financial information and credit repair and recovery caused as a result of internet fraud, internet fraud schemes and hacker attacks; providing credit report information to perspective first mortgagors; providing consumer credit report information and financial information services; providing credit consultation, namely, providing information on how to handle credit problems over a global computer communications network and over other communications networks; providing loan processing services over a global computer network; providing loan processing services for banks over a global computer network; computerized databases featuring information regarding consumer credit information

Providing information regarding collision histories of vehicles, namely, providing information regarding vehicle repairs and maintenance to auctions and automobile dealers

Electronic transmission of data and electronic mail services featuring the transmission of information regarding marketing demographics and mailing lists; providing access to databases featuring information in the field of mail order customers; providing multiple-user access to a global computer network featuring databases in the field of mail order customers; electronic transmission of mail featuring electronic publications of others; electronic transmission of computer controlled data; transmission and distribution of data via a global computer network or the internet

Publishing of electronic publications; educational services, namely, seminars, conferences and training in the fields of computer software, credit and financial literacy; online non-downloadable electronic publications in the nature of newsletters and magazines in the field of credit information; computer services, namely, providing online information about educational classes and courses

Computer services namely, monitoring websites of others to improve performance of websites of others; providing website diagnostic analysis, namely, tracking, analyzing, evaluating and advising website operators concerning implementation, usability, functioning, performance and optimization of their websites; consulting and information regarding computers; providing online non-downloadable software for use in monitoring pay per click performance; consulting regarding the use of computers in the fields of lending and information management; consulting regarding information technology; providing online non-downloadable software in the nature of an interactive consumer credit score simulator which permits an individual to simulate his or her credit score by selecting data variables to show the affect of the different variables upon the individual's credit score; computer software installation services for software used in the development and operation of consumer credit scoring systems; technical support, namely, trouble shooting of computer software problems related to the installation of software used for development and operation of consumer credit scoring systems; computer software consultation; computer software implementation, maintenance and development services; information technology consulting services; consulting services, namely, providing consultation in the field of computer systems integration services; development of custom software; computer software configuration for others; updating of computer software for others; computer systems integration services; technical support services, namely, real time provision of customer support information in the field of computer software in the nature of troubleshooting of computer software; computer services, namely, customer support and help desk services in the nature of troubleshooting of computer hardware and software problems; technical support services, namely, trouble shooting of computer software problems; application service provider, namely, hosting computer software applications of others over global computer networks; providing online non-downloadable computer software to simulate a credit score, permitting lenders and issuers of credit to simulate a applicants credit scores by selecting data variables to show the affect of the different variables on the applicant's credit scores; providing temporary use of non-downloadable computer software to simulate a credit score, permitting lenders and issuers of credit to simulate applicant's credit scores by selecting data variables to show the affect of the different variables on the applicants credit scores; providing online non-downloadable computer software to simulate credit scores in the fields of credit risk management and customer relationship management; providing temporary use of non-downloadable computer software to simulate credit scores in the fields of credit risk management and customer relationship management; providing online non-downloadable interactive computer software that permits lenders and issuers of credit to inform applicants as to how certain credit activity will impact their credit scores based upon the applicant's current credit history and score; providing temporary use of non-downloadable interactive computer software that permits lenders and issuers of credit to inform their applicants as to how certain credit activity will impact their credit scores based upon the applicant's current credit history and score; providing information concerning consumer product safety, and providing information regarding performance quality of vehicles; providing information concerning consumer product safety, and providing information regarding performance quality of vehicles to auctions and automobile dealers; consulting services, namely, computers consulting regarding computers used in lending and insurance risk 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 and commercial credit, insurance and lending, and insurance risk management; computer services, namely, consultation relating to software for development and operation of consumer credit scoring systems; computer services, namely, design of computer software and computer hardware systems to assist businesses in the organization and analysis of consumer and business data, trends, and financial effects in order to maximize business productivity and potential; computer support services in the nature of computer consultation, remote or on-site monitoring of computer software and hardware systems for technical purposes, updating of computer software, and recovery of computer data; providing temporary use of on-line non-downloadable software for making financial calculations; providing performance quality information and product safety information about the history of motor vehicles; providing information about the emissions history of motor vehicles; computer services, namely, providing search engines for obtaining electronic shopping data on a global computer network featuring data integration capability; computer software design; maintenance, modification and updating of computer software; computer programming; computer systems analysis

Investigation of credit reports and bank accounts by electronic means for security or authentication purposes when it appears the identity of a specified child has been used; licensing of software used by banks to continuously monitor the quality of their portfolio by proactively tracking account performance data; licensing of performance and relationship management software used by banks to manage client relationships; licensing of software used by banks to automate document, policy, compliance and exception management; providing an on-line computer database in the field of identity theft; identity theft prevention and resolution services; consulting regarding fraud prevention and resolution services; consultation in the field of data theft and identity theft, financial identity monitoring service; providing an on-line computer database in the field of data and identity theft; financial identity monitoring services, namely, identity theft prevention and resolution services; consulting regarding fraud prevention and resolution services; fraud resolution assistance, namely, providing consultation to parents and/or legal guardians in the event that a child's identity has been used without consent to open credit and/or bank accounts; providing fraud information about the history of motor vehicles; providing information about the theft histories of motor vehicles; providing fraud information regarding the collision histories of vehicles; providing fraud information regarding the collision histories of vehicles to auctions and automobile dealers; licensing tangible and intangible intellectual property to businesses to develop marketing