PROVIDING CONSUMER CREDIT INFORMATION

Brand	Owner (click to sort)	Address	Description
FIRSTGUARD	FIRST NATIONAL OF NEBRASKA, INC.	STOP 3290 1620 Dodge Street Omaha NE 68197	Providing consumer credit information, credit card information and credit ratings, and information related to obtaining such information from others; providing, monitoring and analysis of the credit reports; registering and canceling credit cards; consultation and claims administration services in the areas of privacy protection, identity theft and fraud;FIRST GUARD;Identity theft protection services, namely, fraud prevention in the form of personal information and financial identity monitoring; fraud resolution assistance, namely, providing advice and consultation in the field of identity theft;
HOME CREST	WASHINGTON MUTUAL, INC.	1301 Second Avenue WMC 3501 Seattle WA 98101	Providing consumer credit information, credit card information and credit ratings, and information related to obtaining such information from others; providing credit reports, monitoring of credit reports, analysis of the credit reports, and notification of changes in credit reports; providing consulting services, advice and information to assist others in protecting credit ratings, registering and canceling credit cards, and restoring and analyzing credit; debt and credit analysis services; insurance underwriting, brokerage, agencies, consultation and claims administration services in the areas of privacy protection, identity theft and fraud; providing interactive websites containing information related to the foregoing services;
ID THEFT INSPECT	JPMORGAN CHASE BANK, N.A.	1111 Polaris Parkway Columbus OH 43240	Providing consumer credit information, credit card information and credit ratings, and information related to obtaining such information from others; providing credit reports, monitoring of credit reports, analysis of the credit reports, and notification of changes in credit reports; providing consulting services, advice and information to assist others in protecting credit ratings, registering and canceling credit cards; debt and credit analysis services; insurance underwriting, brokerage, agencies and consultation services specializing in the areas of privacy protection, identity theft and fraud; banking services; providing interactive websites containing information and online enrollment related to the foregoing services;IDENTIFICATION THEFT INSPECT;ID THEFT;
IDENTITY THEFT INSPECT	WASHINGTON MUTUAL, INC.	1301 Second Avenue WMC 3501 Seattle WA 98101	Providing consumer credit information, credit card information and credit ratings, and information related to obtaining such information from others; providing credit reports, monitoring of credit reports, analysis of the credit reports, and notification of changes in credit reports; providing consulting services, advice and information to assist others in protecting credit ratings, registering and canceling credit cards, and restoring credit; debt and credit analysis services; insurance underwriting, brokerage, agencies and consultation services specializing in the areas of privacy protection, identity theft and fraud; banking services; debit card services; credit card services; charitable fundraising; philanthropic services concerning monetary donations; providing interactive websites containing information and online enrollment related to the foregoing services;
REAL PRIVACY	JPMORGAN CHASE & CO.	270 Park Avenue New York NY 10017	Providing consumer credit information, credit card information and credit ratings, and information related to obtaining such information from others; providing credit reports, monitoring of credit reports, analysis of the credit reports, and notification of changes in credit reports; providing consulting services, advice and information to assist others in protecting credit ratings, registering and canceling credit cards; debt and credit analysis services; insurance underwriting, brokerage, agencies and consultation services specializing in the areas of privacy protection, identity theft and fraud; banking services; providing interactive websites containing information and online enrollment related to the foregoing services;PRIVACY;
REAL PRIVACY PLUS	JPMORGAN CHASE & CO.	270 Park Avenue New York NY 10017	Providing consumer credit information, credit card information and credit ratings, and information related to obtaining such information from others; providing credit reports, monitoring of credit reports, analysis of the credit reports, and notification of changes in credit reports; providing consulting services, advice and information to assist others in protecting credit ratings, registering and canceling credit cards; debt and credit analysis services; insurance underwriting, brokerage, agencies and consultation services specializing in the areas of privacy protection, identity theft and fraud; banking services; providing interactive websites containing information and online enrollment related to the foregoing services;PRIVACY;
WAMU	JPMORGAN CHASE & CO.	270 Park Avenue New York NY 10017	Providing consumer credit information, credit card information and credit ratings, and information related to obtaining such information from others; providing credit reports, monitoring of credit reports, analysis of the credit reports, and notification of changes in credit reports; providing consulting services, advice and information to assist others in protecting credit ratings, registering and canceling credit cards; debt and credit analysis services; insurance underwriting, brokerage, agencies and consultation services specializing in the areas of privacy protection, identity theft and fraud; banking services; providing interactive websites containing information and online enrollment related to the foregoing services;Fraud detection and prevention in the field of identity theft, namely, locating and providing information to others concerning consumer and identity fraud and identity theft; providing consulting services and case worker assistance and counseling in filing claims, resolving fraud and identity theft issues with creditors and closing accounts necessitated by identity theft and fraud; providing consulting services, advice and information to assist others in protecting against identity fraud and identity theft; providing consulting services, advice and information on identity theft and fraud protection and prevention products and services; providing interactive websites containing information and online enrollment related to the foregoing services;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

A method of providing incentives to bidders on an auction item using a database and a system, the method including creating the consumer profile for at least one consumer, choosing at least one of the unsold items from the inventory based on the consumer information in the consumer profile, generating the incentive for the chosen unsold item based on the consumer file, the selection of consumer information of the incentive being substantially similar to the consumer information in the consumer profile, and offering the chosen unsold item and the incentive to the at least one consumer to induce purchasing of the chosen unsold item. The database has an inventory file having at least one of detailed descriptions of an inventory, a list of similar items of the inventory, and a list of complementary items of the inventory, and a consumer profile having at least one of bidding history, start bid, bid frequency, bid increment, final bid, winning bid, target product, Internet service provider, zip code, credit card type, and coupon redemption rate. The system has a first memory for storing consumer profiles having consumer information, including at least information relating to bids on the auction items, a second memory for storing unsold items in an inventory, and a third memory for storing a plurality of incentives for each unsold item, each incentive having a value based on a selection of the consumer information.