36 Personal financial services; financial consultation, analysis of consumer bills, credit cards and bank accounts to review recurring spending and bills; financial transaction services including the identification, tracking and management of subscriptions and bills; bill negotiation services for consumers and businesses; providing information in the field of personal finance and credit; providing credit score monitoring, reporting and tracking; providing digital checking account and debit card services; financial information provided by electronic means; providing on-line financial score factor assessments; credit consultation; fraud reimbursement services in the field of credit, debit and ATM cards purchases against liability for unauthorized charges; identity theft and loss protection and reimbursement services in the nature of fraud reimbursement in the field of credit and debit card purchases and ATM uses; consumer credit consultation services, namely, collecting traditional and non-traditional consumer credit, credit scores and consumer loan accounts data, evaluation and comparison of available consumer loans and consumer credit cards; credit reporting services; consumer financial loan consultation; providing financial consultation on consumer credit, consumer credit scores and consumer credit cards; consumer credit reporting services; direct to consumer financial information provided by electronic means; providing credit, financial health and awareness and identity protection services as a unit in a single bundle package; product services offering that combines credit, identity, and financial health features into one bundle