Providing business information services based on a proprietary identity verification system that will allow users to validate customer identity, and provides information regarding customer identity; Providing business information services based on a proprietary identity verification system that will allow customers to validate their identity and provide verification information to users; Providing verification and validation of customer identity services to support credit risk management for others through the for online transactions for others; Consumer credit services, namely, credit reporting and scoring services; Providing verification and validation of users identity services to support credit risk management for customers for online transactions; Computer services, namely, providing an online platform to augment a financial services user's online identity validation system using information and analysis from a proprietary identity system; Computer services, namely, providing an online platform to augment a consumer's online identity validation to a user using information and analysis from a proprietary identity system; Identification verification services, namely, providing authentication of personal identification information and authentication of internet users; Identification validation services, namely, providing authentication of personal identification information and authentication to customers