Each new record in the Bonds DB 1301 and Guaranties DB 1307 is related to the record of in the Applications Database 1306 from which it spawned. [0140] Certain identifying fields, such as email address, in the Applications Database 1306 may be related to a corresponding field, e.g., email address, in the Flagged Individuals DB 1303 so that applications submitted by undesirable applicants may be di