Systems and methods of identity protection and management

A method of monitoring potential identity theft threats, the method being performed by a monitoring computer having one or more computer processors, the method comprising:

• receiving a request, by the monitoring computer, from a user to monitor an electronic communication account or device of the user;
• periodically monitoring electronic communications in the electronic communication account or device of the user for changes, possible changes, or attempted changes to personal information associated with another account of the user;
• as part of the periodic monitoring, detecting a change, a possible change, or an attempted change to personal information associated with said another account of the user;
• determining a risk level associated with the detected change, possible change, or attempted change to personal information associated with said another account of the user;
• and
• determining, based at least in part on the determined risk level, one or more protective actions;
• and
• transmitting to a user computing device a notification of the detected change, possible change, or attempted change, and a request to select one or more of the protective actions to be taken in response to the detected change, possible change, or attempted change;
• receiving from the user computing device an indication of selection of one or more of the protective actions by the user;
• and
• initiating the one or more protective actions selected by the user.

A computing system configured to monitor and handle potential identity theft threats, comprising:

• a non-transitory computer-readable storage medium having stored thereon a plurality of executable software modules;
• a network interface;
• and
• one or more computer hardware processors configured to execute the plurality of executable software modules stored on the computer-readable storage medium, wherein the one or more processors execute:
• a credentials monitoring module to
• access a third party account of a user and determine whether a response from the third party account indicates a change or attempted change to personal information associated with the third party account of the user;
• determine a risk level associated with the detected change or attempted change to personal information associated with the third party account of the user;
• and
• determine, based at least in part on the determined risk level, one or more protective actions;
• an event notification module to transmit, via the network interface, to a user computing device a notification of the detected change or attempted change and a request to select one or more of the protective actions to be taken in response to the detected change or attempted change;
• a user interface module to receive, via the network interface, from the user computing device an indication of selection of one or more of the protective actions by the user;
• and
• the event notification module further to execute the one or more protective actions selected by the user.