9 Downloadable computer software for use in facilitating communications between credit repair organizations to credit reporting agencies; Downloadable computer software for use in communicating, accessing, monitoring, managing, and identifying changes to information and data pertaining to consumer credit and credit reports; Downloadable computer software for providing information in the fields of credit reports, credit assessment, credit cards, credit management, credit protection, debt consolidation, debt settlement, debt elimination, mortgages and loans; Downloadable mobile application for use in facilitating communications between credit repair organizations to credit reporting agencies; Downloadable mobile application for use in communicating, accessing, monitoring, managing, and identifying changes to information and data pertaining to consumer credit and credit reports; Downloadable mobile application for providing information in the fields of credit reports, credit assessment, credit cards, credit management, credit protection, debt consolidation, debt settlement, debt elimination, mortgages and loans; Downloadable computer software, namely, a communication platform for communicating between credit repair organizations and credit reporting agencies