Managed service provider (MSP), application service provider (ASP), and Software as a Service (SaaS) services featuring software for use as a cloud-native, modular, event-driven, end-to-end credit management platform for delivery of a consistent, streamlined experience across the entire credit lifecycle, from loan originations to loan servicing to collections, debt relief, and debt recovery; Cloud computing featuring software for use as a cloud-native, modular, event-driven, end-to-end credit management platform for delivery of a consistent, streamlined experience across the entire credit lifecycle, from loan originations to loan servicing to collections, debt relief, and debt recovery; Providing temporary use of on-line non-downloadable software for use as a cloud-native, modular, event-driven, end-to-end credit management platform for delivery of a consistent, streamlined experience across the entire credit lifecycle, from loan originations to loan servicing to collections, debt relief, and debt recovery