In some embodiments, the instant invention provides an improved computer system programmed for rating which includes at least the following components: a specialized computer machine, having: a processor for executing program code stored in memory, where the program code is configured to at least perform upon the execution: causing to display a first graphical user interface to each consumer to obtain personal identifying information to validate an identity of such consumer; and a confirmation that such consumer meets requirements to be satisfied for rating a business, based on the confirmation, causing to concurrently display a second graphical user interface to display a consumer rating survey having a predetermined number of questions for rating a business to evaluate such business in rating categories of: service, value, ethics, competence, environment, and price; based on responses and predictive analytics, calculating or recalculating a rating score in each rating category for each business.