; and (B) does not include— (i) advising or assisting in any activity described in subparagraphs (A) through (C) of section 427(b)(2); (ii) any services marketed to a consumer during a call or session with a consumer reporting agency (as defined under section 603(f) of the Fair Credit Reporting Act) regarding the exercise of any consumer right under the Fair Credit Reporting Act or applicable State laws prior to the consumer reporting agency meeting its obligations under the Fair Credit Reporting Act or applicable State law required for such call or session; or (iii) any services provided without compliance with sections 424(c) and 424(d). (4) Credit education service The term credit education service — (A) means any service offered, sold, provided, or performed to or for consumers for the express or implied purpose of counseling, educating, or assisting consumers in understanding, managing, or prospectively improving their credit standing, consumer report, credit scores, or access to credit; and (B) does not include— (i) advising or assisting in any activity described in subparagraphs (A) through (C) of section 427(b)(2); (ii) any services marketed to a consumer during a call or session with a consumer reporting agency (as defined under section 603(f) of the Fair Credit Reporting Act) regarding the exercise of any consumer right under the Fair Credit Reporting Act or applicable State laws prior to the consumer reporting agency meeting its obligations under the Fair Credit Reporting Act or applicable State law required for such call or session