1. An authentication system, comprising: a network interface component coupling the authentication system to a network; a non-transitory memory; and one or more hardware processors coupled to the network interface component and the non-transitory memory, the one or more hardware processors being configured to read instructions from the non-transitory memory to cause the authentication system to perform operations comprising: receiving, via the network interface component, first authentication information from a user device of a user, the first authentication information comprising a username and user credentials of the user; calculating a first score based on the first authentication information; determining whether the first score is less than a threshold; and in response to the determining: transmitting, via the network interface component, a first request for additional authentication information to the user device; receiving, via the network interface component, second authentication information comprising information other than the username and the user credentials of the user from the user device; transmitting, via the network interface component, a second request for additional authentication information to a carrier on which the user device is operating; receiving, via the network interface component, third authentication information from the carrier; storing the second or third authentication information in a subscriber data-base: comparing the second or third authentication information to authentication information stored in the subscriber database; calculating a second score based on the first authentication information, the second authentication information, the third authentication information, and results of the comparing; and authenticating the user and the user device when the second score is greater than or equal to the threshold.