Abstract: The disclosure is directed to systems and methods for credit underwriting and ongoing monitoring using behavioral parameters of an individual or a business in need thereof. More particularly, the disclosure is directed to gathering and analyzing online private and public databases, as well the user's own digital device(s) to create a personalized behavioral digital fingerprint, indicative of the risk associated with extending credit to that user or the business they represent, while continuously monitoring and recalculating that fingerprint throughout the life of the credit extension.