42 Application service provider featuring application programming interface (API) software for providing a consumer's incomes, assets, employment and financial information; application service provider featuring application programming interface (API) software for providing consumer credit reports and information; providing temporary use of online non-downloadable computer software for providing a consumer's incomes, assets, employment and financial information; providing temporary use of online non-downloadable computer software for providing temporary use of online non-downloadable computer software for providing consumer credit reports and information