| THE FAITH CARD, INC IS A NEW COMPANY THAT HELPS CONSUMERS BUILD THEIR FAIR ISAAC CORPORATION (FICO) CREDIT SCORE BY USING THEIR REGULAR MONTHLY BILLS (E.G. RENT, GAS AND ELECTRIC, PHONE, ETC). THE FICO SCORE IS PRIMARILY USED IN CREDIT DECISIONS MADE BY BANKS AND OTHER PROVIDERS OF SECURED AND UNSECURED CREDIT. CURRENTLY, THE THREE MAJOR CREDIT REPORTING AGENCIES (EXPERIAN, EQUIFAX AND TRANSUNION) DO NOT TRACK OR FACTOR INTO CREDIT SCORES ON-TIME BILL PAYMENTS BECAUSE THEY DO NOT RECOGNIZE THEM AS TRADITIONAL CREDIT DATA. THE CREDIT INDUSTRY REFERS TO THEM AS "ALTERNATIVE CREDIT DATA". THE CREDIT BUREAUS COLLECT DATA ABOUT CONSUMERS THAT THEY USE TO COMPILE CREDIT REPORTS. THEY THEN USE PROPRIETARY SOFTWARE, WHICH THEY GET FROM FAIR ISAAC CORPORATION, TO GENERATE FICO SCORES, WHICH ARE SUBSEQUENTLYSOLD TO LENDERS. EVEN THOUGH LANDLORDS, CABLE AND PHONE SERVICE PROVIDERS ARE PLEASED WITH THEIR CUSTOMERS' TIMELY PAYMENTS, THIS POSITIVE INFORMATION ISN'T REPORTED TO THE CREDIT BUREAUS. IF, HOWEVER, A CONSUMER IS LATE IN PAYING THESE BILLS, THE LANDLORD OR UTILITY DEPARTMENT HAS THE RIGHT TO REPORT THE BILLS AS DELINQUENT TO THE CREDIT BUREAUS. ANY OF THESEBLEMISHES TO THE CONSUMER'S CREDIT REPORT CAN BE AS HARMFUL TO THEIR FICO SCORE AS THE MORE COMMONLY REPORTED ITEMS SUCH AS LATE PAYMENTS ON LOANS OR CREDIT CARDS. BY USING THEIR FAITH CARD ACCOUNT, ANY CONSUMER CAN NOW RAISE THEIR FICO SCORE USING THEIR BILL PAYMENT TRANSACTIONS. Christopher Bishop
86217550 31 Dec 1969 | on 25 Mar 2014 | Advisory services in the field of employee benefits for group healthca... Class 036 Class 036 Insurance & Financial Services Advisory services in the field of employee benefits for group healthcare and business insurance offered to employees in addition to standard benefits such as medical, dental, life insurance including short term disability, long term disability, cancer insurance, accidental death and dismemberment; Advisory services relating to credit and debit control, investment, grants and financing of loans; ATM banking services; Automated teller machine services; Banking and financing services; Banking services; Bill consolidation services; Bill payment services; Bill payment services provided through a website; Brokerage services for stocks and bonds; Cash advance services for businesses and merchants; Charge card and credit card services; Charge card services; Charitable services, namely, providing financial support to disadvantaged patients for the purpose of facilitating good health; College consulting services, namely, assisting students in applying for scholarships and financial aid; College counseling services, namely, assisting students in applying for scholarships and financial aid; Commercial and residential real estate agency services; Commercial lending services; Consumer lending services; Corporate finance services, namely, consultation in the field of asset sales; Credit and cash card services; Credit and debit card services; Credit card and debit card services; Credit counseling services; Debit card services; Debt advisory services; Debt cancellation services using proceeds of life, disability and unemployment insurance; Debt consolidation services; Debt counseling services; Debt management services; Debt settlement negotiation services; Debt settlement services; Electronic check acceptance services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic loan origination services; Electronic loan preparation services; Electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial advice and consultancy services; Financial advice, namely, budget planning; Financial advisory and consultancy services; Financial affairs and monetary affairs, namely, financial information, management and analysis services; Financial analysis and consultation; Financial and investment services, namely, asset and investment acquisition, consultation, advisory and development; Financial and investment services, namely, management and brokerage in the fields of stocks, bonds, options, commodities, futures and other securities, and the investment of funds of others; Financial asset management; Financial calculation services for others, namely, royalty calculation; Financial consultancy; Financial consultancy and insurance consultancy; Financial consultation; Financial consulting; Financial consulting and advising in the field of mergers and acquisitions; Financial consulting in the field of real estate note brokerage; Financial consulting services in the field of planned giving for non-profit and charitable organizations; Financial consulting services, namely, advising others regarding intellectual property investments; Financial consulting services, namely, expert analysis in finance; Financial counseling services, namely, helping others build a better working relationship with their money; Financial due diligence; Financial evaluation for insurance purposes; Financial evaluation, tracking, analysis, forecasting, consultancy, advisory and research services relating to securities and other financial instruments; Financial information; Financial information provided by electronic means; Financial management; Financial management via the Internet; Financial planning; Financial planning and investment advisory services; Financial planning consultation; Financial securities exchange services; Financial services, namely, administration of transactions involving funds drawn from securities, stocks, funds, equities, bonds, cash, or other types of financial investments in retirement plans using a credit or debit card over a global data network; Financial services, namely, conducting an online exchange of interest rate products via the internet and intranet systems; Financial services, namely, credit agencies featuring credit processing, namely, credit checking, credit analyzing, and financial reporting services; Financial services, namely, credit repair and restoration; Financial services, namely, debt resolution services in the nature of debt settlement and elimination; Financial services, namely, debt settlement; Financial services, namely, electronic remote check deposit services; Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; Financial services, namely, investment advice, investment management, investment consultation and investment of funds for others, including private and public equity and debt investment services; Financial services, namely, investment fund transfer and transaction services; Financial services, namely, loss mitigation services for under- or non-performing mortgage loans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financial services, namely, mortgage planning; Financial services, namely, mortgage refinancing; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Financial services, namely, providing an investment option available for variable annuity and variable life insurance products; Financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; Financial services, namely, providing for the exchange of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Financial services, namely, providing information in the fields of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Financial services, namely, providing on-line stored value accounts in an electronic environment; Financial services, namely, raising debt and equity capital for others; Financial services, namely, vehicle title loans; Financial services, namely, wealth management services; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Financial trust administration; Financial trust operations; Financial trust planning; Financial valuation of personal property and real estate; Financial valuations; Financially-guaranteed financing; Financing and loan services; Financing services; Foreign exchange information services; Global investment research services; Health insurance cooperative services in the nature of underwriting, issuing and administration of health insurance; Home appraisal services; Individual retirement account services; Insurance brokerage services; Insurance consultancy services, namely, providing advice in the field of property and casualty insurance; Insurance services, namely, insurance eligibility review and verification and consultation in the Auto an life insurance industry; Insurance services, namely, providing information and on-line computer databases for the purpose of review and verification of Medicaid and Medicare eligibility status and related information; Insurance services, namely, providing information and on-line computer databases for the purpose of review and verification of Medicare eligibility status and related information; Insurance services, namely, underwriting extended warranty contracts in the field of Auto an life insurance; Insurance services, namely, underwriting, issuing and administration of life insurance; Insurance underwriting services for all types of insurance; Investment advisory services; Investment banking services; Investment banking services in the field of Employee Stock Ownership Plans (ESOP); Investment management services in the field of acquiring joint ventures; Investment services, namely, asset acquisition, consultation, development and management services; Lending consultant services; Loyalty coupon payment processing services; Loyalty program payment processing services; Mailing list brokerage services; Medical insurance case and utilization review and insurance claims adjustment services for healthcare purchasers and payors and providers and Medicare beneficiaries; Merchant banking and investment banking services; Merchant banking services; Money exchange services; Money order payment guarantee services; Money order services; Money wiring services; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage foreclosure mitigation and loan default mitigation services, namely, acquisition and lease-back of real estate; Mortgage foreclosure services; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; Mutual fund advisory services; Mutual fund analysis services; Mutual fund development services; On-line banking services; On-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount; On-line cash account services; On-line escrow service for exchange of services; On-line financial planning services; On-line prepaid card services; On-line trading of financial instruments, shares, options and other derivative products; Online banking services accessible by means of downloadable mobile applications.; Online, real-time tax payment processing, tax payment management, and tax payment analysis services; Organization of online stock exchanges for the benefit of the trade of stocks and other financial securities; Organization of stock exchanges for the benefit of the trade of stocks and other financial values; Payment processing services in the field of Debit and preload payments; Payroll tax debiting services; Pharmacy benefit management services; Philanthropic services concerning monetary donations; Philanthropic services, namely, financial endowment of Empowerment; Political fundraising services; Pre-paid funeral expense services; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Prepaid card services in the nature of making payment for adding airtime to prepaid or pay-as-you-go wireless services; Prepaid preventive maintenance service plans for heating, ventilating and air conditioning systems; Prepaid services in the nature of making advance payments to add value to prepaid or pay-as-you-go cards for the purchase of All goods; Prepaid telecommunications calling card services; Providing a web site featuring personal financial information and financial advice; Providing a web site that assists financial professionals in the management of retirement accounts; Providing an Internet website portal featuring financial appraisal data for homes and commercial buildings; Providing an internet website portal in the field of financial transaction and payment processing services; Providing an on-line searchable database featuring financial information about All financial services; Providing emergency financial assistance for individuals and families; Real estate lending services; Real estate title insurance underwriting services; Savings bank services; Securities deposit services; Telephone banking services; Telephone calling card services; Transfer agency services rendered to issuers of investment securities; Travel agency services, namely, issuing traveler's checks; Underwriting insurance for pre-paid legal services; Vacation real estate time share exchange services; Vacation real estate timeshare services | | 
