Abstract: A user identity verification apparatus and method comprising, via one or more processors, collecting in a computer database consolidated user data comprising information about a method user from a plurality of sources comprising credit bureau information, information from data vendors, and public information, generating a profile of the method user comprising a plurality of subsets of the consolidated user data corresponding to a plurality of access levels, receiving a validation request from a third party source at an unknown user's request; assigning an access level to the validation request; requesting information from the unknown user, matching returned information from the unknown user to that in the subset of the consolidated user data corresponding to the assigned access level, and verifying to the third party source that the unknown user is the method user.

Abstract: A user identity verification apparatus and method comprising, via one or more processors, collecting in a computer database consolidated user data comprising information about a method user from a plurality of sources comprising credit bureau information, information from data vendors, and public information, generating a profile of the method user comprising a plurality of subsets of the consolidated user data corresponding to a plurality of access levels, receiving a validation request from a third party source at an unknown user's request; assigning an access level to the validation request; requesting information from the unknown user, matching returned information from the unknown user to that in the subset of the consolidated user data corresponding to the assigned access level, and verifying to the third party source that the unknown user is the method user.