45 Fraud prevention services, namely, providing fraud detection services for credit and non-credit identity records; identity and financial protection services, namely providing authentication of personal identification information; fraud detection in the field of personal and financial identity security and protection; background screening services; monitoring of credit reports, public records, credit and non-credit identity records, court and criminal records, sex offender reports, change of address, non-credit loans and Internet surveillance for identity theft prevention; providing consumer monitoring services of credit reports, credit and non-credit identity records, court and criminal records, public records, sex offender reports, change of address, non-credit loans and internet surveillance for identity theft and fraud prevention; providing identity recovery, resolution and restoration services caused by identity theft or fraud, namely, providing expert assistance in restoring an individual's credit and identity