Apparatus for recording, transmission or reproduction of sound or images; blank magnetic data carriers; blank recording discs; calculating machines, data processing equipment, computers; downloadable computer software for conducting credit checks and accessing financial information, for providing financial ratings and credit reports and for providing credit assessment and credit screening services; downloadable computer software and downloadable mobile application software for the collection, aggregation, organization, processing, systemization, displaying, sharing, accessing, browsing and searching of data and information in the fields of finance, credit reporting, credit assessment, credit screening, credit repair and credit and debt management; downloadable mobile application software for conducting credit checks and accessing financial information, for providing financial ratings and credit reports and for providing credit assessment and credit screening services; downloadable computer software platforms for conducting credit checks and accessing financial information and for providing financial ratings and credit reports; downloadable cloud computing software for storing data; downloadable computer software for creating blog websites; downloadable computer security software for developing data encryption for use in electronic transmissions; downloadable computer software for controlling and managing access to databases; downloadable computer software, downloadable mobile application software and downloadable platform software for providing personal financial advisory services; downloadable computer software, downloadable mobile application software and downloadable platform software for providing financial information regarding financial services; downloadable computer software, downloadable mobile application software and downloadable platform software for providing financial ratings and credit reports; downloadable computer software, downloadable mobile application software and downloadable platform software for providing credit assessment and credit screening services; downloadable computer software, downloadable mobile application software and downloadable platform software for providing credit reporting services; downloadable computer software, downloadable mobile application software and downloadable platform software for providing credit rating services; downloadable computer software, downloadable mobile application software and downloadable platform software for providing credit scoring services; downloadable computer software, downloadable mobile application software and downloadable platform software for the preparation of credit reports; downloadable computer software, downloadable mobile application software and downloadable platform software for credit application processing; downloadable computer software, downloadable mobile application software and downloadable platform software for collection and systemization of data; downloadable computer software, downloadable mobile application software and downloadable platform software for providing data processing and data verification services; downloadable computer software, downloadable mobile application software and downloadable platform software for the aggregation of financial data; downloadable computer software, downloadable mobile application software and downloadable platform software for the aggregation of personal financial data; downloadable computer software, downloadable mobile application software and downloadable platform software for providing financial advice; downloadable computer software, downloadable mobile application software and downloadable platform software for customer profiling; downloadable computer software, downloadable mobile application software and downloadable platform software for matching consumers with financial products and financial instruments, in the field of credit cards, personal loans, mortgages, car finance deals, mobile phone contracts, pension funds; downloadable computer software, downloadable mobile application software and downloadable platform software for the purpose of enabling customers to communicate directly with providers of financial services; downloadable computer software, downloadable mobile application software and downloadable platform software for marketing of financial products; downloadable computer software, downloadable mobile application software and downloadable platform software for providing advice on debt management and debt repayment; downloadable financial database management software for managing financial information; electronic publications, namely, electronic books, periodicals, newsletters, reports and articles in the field of finance and credit reporting recorded on computer media; electronic databases in the field of financial management information recorded on computer media; downloadable databases in the field of finance and credit assessment and credit reporting; downloadable interactive databases in the field of finance and credit assessment and reporting; downloadable computer programs for accessing, browsing and searching online databases in the field of finance and credit assessment and credit reporting; computer software for creating searchable databases of information and data; electronic downloadable publications, namely, electronic books, periodicals, newsletters, reports and articles for use in finance and credit assessment and credit reporting; downloadable electronic publications, namely, electronic books, periodicals, newsletters, reports and articles in the field of finance; downloadable electronic publications, namely, electronic books, periodicals, newsletters, reports and articles in the field of credit reporting; digital media, namely, pre-recorded video cassettes, digital video discs, digital versatile discs, DVDs, and high definition digital discs downloadable, text and image files, downloadable audio files, downloadable video recordings and downloadable multimedia files featuring information in the field of finance, credit assessment, credit reporting; media players; multi-media recordings being visual and audio recordings in the field of finance and credit reporting; downloadable educational media, namely, text and image files, audio files, video recordings and multimedia files in the field of finance and credit reporting; downloadable computer software for use with digital media streaming devices