Downloadable mobile applications for credit counseling and debt counseling purposes in the nature of providing personalized financial recommendations for managing and reducing debt and assessing creditworthiness based on the user's credit reporting data, account balances, transaction history, payment behavior and other financial data; Downloadable mobile applications for credit counseling and debt counseling purposes in the nature of providing automated personalized financial recommendations for managing and reducing debt and assessing creditworthiness

Providing a website featuring non-downloadable software for assisting individuals in managing and reducing debt, that provides personalized financial recommendations for managing and reducing debt and assessing creditworthiness based on the user's credit reporting data, account balances, transaction history, payment behavior and other financial data; providing a website featuring technology that enables users to obtain automated, personalized financial recommendations for managing and reducing debt and for assessing their creditworthiness