Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.