Providing subscription-based temporary use of non-downloadable cloud-based software for verifying credentials; Providing subscription-based temporary use of non-downloadable cloud-based software for identifying security and fraud risks; Providing online non-downloadable computer software platforms for monitoring workforce, personnel and identity-based security and fraud risks; Providing online non-downloadable computer software platforms for screening and verifying credentials; Providing temporary use of non-downloadable cloud-based software for business risk management; Providing temporary use of non-downloadable cloud-based software for verifying and monitoring the credentials of employees, contractors and business partners for business purposes; Providing temporary use of non-downloadable cloud-based software for monitoring and validating information, verifying compliance and detecting potential fraud; Providing temporary use of non-downloadable cloud-based software for verifying and monitoring the credentials of employees, contractors, business partners and third parties for business purposes; Providing temporary use of non-downloadable cloud-based software for evaluating trust information of another person or entity; Providing temporary use of non-downloadable cloud-based software for calculating a trust score for third parties