Abstract: Embodiments of the present invention provide systems and methods for detecting an indication of a suspicious event associated with personal information of a child. Personal information representing a social security number of the child and a name of the child is received. Parent personal information representing contact information for a parent of the child is received. A child file for the child is created and stored on a computer-readable medium. The child file for the child includes the personal information representing the social security number of the child and the name of the child. The child file for the child is locked by associating an electronic notice to the child file for the child to prevent access to a database using at least part of the personal information of the child. The database includes credit data. The child file and the credit data is monitored for the indication of the suspicious event using the personal information representing the social security number of the child.

Abstract: Embodiments of the present invention provide a system for determining a risk rating associated with a subject to support a person-to-person transaction. The system includes a profile device in communication with a database that includes personal information and history information associated with the subject. The profile device includes a profile engine stored on a computer-readable medium. The profile engine can access the personal information to authenticate the subject and access the history information to generate a risk rating for the subject. The risk rating is generated by scoring the history information using pre-set criteria. The profile engine can output the risk rating to a reviewer identified by the subject.

Abstract: A system and method for monitoring unauthorized changes to a database and providing a notification to a user according to preferences set by the user. The user can select one or more data entries within a database to be monitored. When these data entries are changed, a notification is sent to the user. The user can also select a credit score or rating within the database to be monitored. When the credit rating changes, a notification can also be sent to the user. Notifications regarding interest rates, prices, and other financial information associated with a change in a credit score or rating can also be sent to the user according to preferences set by the user.

Abstract: Embodiments of the present invention provide systems and methods for detecting an indication of a suspicious event associated with personal information of a child. Personal information representing a social security number of the child and a name of the child is received. Parent personal information representing contact information for a parent of the child is received. A child file for the child is created and stored on a computer-readable medium. The child file for the child includes the personal information representing the social security number of the child and the name of the child. The child file for the child is locked by associating an electronic notice to the child file for the child to prevent access to a database using at least part of the personal information of the child. The database includes credit data. The child file and the credit data is monitored for the indication of the suspicious event using the personal information representing the social security number of the child.

Abstract: Embodiments of the present invention provide a system for determining a risk rating associated with a subject to support a person-to-person transaction. The system includes a profile device in communication with a database that includes personal information and history information associated with the subject. The profile device includes a profile engine stored on a computer-readable medium. The profile engine can access the personal information to authenticate the subject and access the history information to generate a risk rating for the subject. The risk rating is generated by scoring the history information using pre-set criteria. The profile engine can output the risk rating to a reviewer identified by the subject.