Downloadable computer software for consolidating and paying bills; Downloadable computer software enabling users to build or repair credit and credit scores; Downloadable computer software for credit monitoring, automatic bill payment, and accessing financial account information; Downloadable computer software that provides financial tools and advice based on user defined financial goals; Downloadable computer software that provides financial tools and advice to help users build their credit; Downloadable software in the nature of a mobile application for consolidating and paying bills; Downloadable software in the nature of a mobile application enabling users to build or repair credit and credit scores; Downloadable software in the nature of a mobile application for credit monitoring, automatic bill payment and accessing financial account information; Downloadable software in the nature of a mobile application that provides financial tools and advice based on user defined financial goals; Downloadable software in the nature of a mobile application that provides financial tools and advice to help users build their credit