System and Methods for Validating and Managing User Identities

A system and associated methods for validating and managing user identities are disclosed. In at least one embodiment, a central computing system is configured for receiving and processing data related to an at least one user and associated identity. A user account is established and associated with each user, the account containing at least one of a unique account identifier, an identity score representing a quality rating of the user based on the at least one identity, and an identity table containing details related to the at least one identity. In at least one embodiment, the computing system is capable of selectively validating the at least one identity, dynamically calculating the identity score associated with the at least one user, and even leveraging select unique identifying data to create a persistent multi-factor authentication process in conjunction with a mobile device associated with the at least one user.