36 Financial consulting; financial literacy services; credit risk management services; financial risk analysis services; financial information, forecasting and advisory services in the field of risk analysis; financial information, forecasting and advisory services in the field of risk analysis, namely, assessing the progress of an individual throughout their lifetime, namely, education, training, work experience, community outreach, travel experience, hobbies, and languages spoken in connection with assigning a consumer credit score; consumer self-help financial services, namely, consumer self-help credit risk analysis and credit management; providing an online financial score assessment and credit score analyzer; financial information provided by electronic means; consulting and information services concerning financial data and statistics for use by lenders, financial institutions and insurance companies