---
title: Trust Science Home
description: Trust Science is a leader in AI-powered credit decisioning and risk assessment, helping lenders expand access to credit while reducing risk and fraud.
image: https://trustscience.com/hubfs/RGB%20logo%20TrustScience-01-2.png
---

[![Trust Science Logo (Menubar)](https://trustscience.com/hubfs/Trust%20Science%20Logo%20(Menubar).jpg)](https://trustscience.com)

- Solutions
  
    - [Credit Bureau+™](https://trustscience.com/credit-bureau)
    - [T°Score™](https://trustscience.com/t-score)
    - [CashFlow+™](https://trustscience.com/cashflow)
    - [Services](https://trustscience.com/services)
- Industries
  
    - [Auto Lenders](https://trustscience.com/auto-lenders)
    - [Installment & Single Repayment Lenders](https://trustscience.com/installment-single-repayment-models)
- Company
  
    - [About Us](https://trustscience.com/about)
    - [Our Team](https://trustscience.com/team)
    - [Press Releases](https://trustscience.com/blog/tag/press-releases)
    - [Careers & Culture](https://trustscience.com/careers)
    - [Patents](https://trustscience.com/technology-patents)
- [Resources](https://trustscience.com/resources)
  
    - [Marketing Channel Partners](https://trustscience.com/partners)
    - [News & Blog](https://trustscience.com/blog)
    - [Events](https://trustscience.com/events)
    - [Gartner Research](https://trustscience.com/resources/gartner-research-mentions)
- Support
  
    - [Consumer Disclosure](https://trustscience.com/legal/consumer)
    - [Consumer Resources](https://trustscience.com/legal/help-page)

[CONTACT US](https://trustscience.com/contact) [REQUEST A DEMO](https://trustscience.com/demo)

Trust Science — Helping Lenders Find Creditworthy Borrowers™

Better Decisions. Better Outcomes.

# Helping Lenders *Find Better Borrowers™*

 Trust Science's explainable AI surfaces the Invisible Primes™ that traditional scores miss — turning complex data from every source into clear, confident lending decisions.

[Request a Demo](https://trustscience.com/demo) [See How It Works](https://trustscience.com#products)

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Reduction in Loss Rates

Actual results experienced by auto lenders using T°Score™

Trusted by leading lenders across North America

![Horsepower Financial](https://trustscience.com/hubfs/Clients%20(July%202026)/HORSEPOWER%20FINANCIAL.png) ![Auto Capital Canada](https://trustscience.com/hubfs/Clients%20(July%202026)/auto%20capital%20canada.jpg) ![Consumer Capital](https://trustscience.com/hubfs/Clients%20(July%202026)/CONSUMER%20CAPITAL.jpeg) ![Eden Park](https://trustscience.com/hubfs/Clients%20(July%202026)/Eden-Park.png) ![Own.Lease](https://trustscience.com/hubfs/Clients%20(July%202026)/OwnLease-Logo.png) ![CWB](https://trustscience.com/hubfs/Clients%20(July%202026)/CWB%20Maxium.png) ![Auto One](https://trustscience.com/hubfs/Clients%20(July%202026)/auto-one%20logo.png) ![TD Bank](https://trustscience.com/hubfs/Clients%20(July%202026)/TD%20Logo.png) ![Rifco](https://trustscience.com/hubfs/Clients%20(July%202026)/Rifco%20Logo.png) ![JP Financial](https://trustscience.com/hubfs/Clients%20(July%202026)/JP%20Financial%20logo.png) ![Go Day](https://trustscience.com/hubfs/Clients%20(July%202026)/Go%20Day%20logo.png) ![Flex Money](https://trustscience.com/hubfs/Clients%20(July%202026)/FlexMoney.jpeg) ![Magical Credit](https://trustscience.com/hubfs/Clients%20(July%202026)/magical%20credit%20logo.jpg) ![Loansville](https://trustscience.com/hubfs/Clients%20(July%202026)/loansville%20logo.png) ![Stepstone](https://trustscience.com/hubfs/Clients%20(July%202026)/stepsotne%20credit%20logo.png) ![American Finance](https://trustscience.com/hubfs/Clients%20(July%202026)/American%20Finance.jpg) ![Carhive](https://trustscience.com/hubfs/Carhive.png) ![Lendie](https://trustscience.com/hubfs/Clients%20(July%202026)/Lendie.png) ![Payment 1](https://trustscience.com/hubfs/Clients%20(July%202026)/Payment%201.png) ![Vida Finance](https://trustscience.com/hubfs/Clients%20(July%202026)/Vida%20Finance.png) ![Pathway](https://trustscience.com/hubfs/Clients%20(July%202026)/pathway%20credit%20logo.png) ![Go Loans](https://trustscience.com/hubfs/Clients%20(July%202026)/GoLoanslogo.png) ![Pony Money](https://trustscience.com/hubfs/Clients%20(July%202026)/pony_money_logo.jpg) ![Toledo Finance](https://trustscience.com/hubfs/Clients%20(July%202026)/Toledo%20Finance.jpg) ![Horsepower Financial](https://trustscience.com/hubfs/Clients%20(July%202026)/HORSEPOWER%20FINANCIAL.png) ![Auto Capital Canada](https://trustscience.com/hubfs/Clients%20(July%202026)/auto%20capital%20canada.jpg) ![Consumer Capital](https://trustscience.com/hubfs/Clients%20(July%202026)/CONSUMER%20CAPITAL.jpeg) ![Eden Park](https://trustscience.com/hubfs/Clients%20(July%202026)/Eden-Park.png) ![Own.Lease](https://trustscience.com/hubfs/Clients%20(July%202026)/OwnLease-Logo.png) ![CWB](https://trustscience.com/hubfs/Clients%20(July%202026)/CWB%20Maxium.png) ![Auto One](https://trustscience.com/hubfs/Clients%20(July%202026)/auto-one%20logo.png) ![TD Bank](https://trustscience.com/hubfs/Clients%20(July%202026)/TD%20Logo.png) ![Rifco](https://trustscience.com/hubfs/Clients%20(July%202026)/Rifco%20Logo.png) ![JP Financial](https://trustscience.com/hubfs/Clients%20(July%202026)/JP%20Financial%20logo.png) ![Go Day](https://trustscience.com/hubfs/Clients%20(July%202026)/Go%20Day%20logo.png) ![Flex Money](https://trustscience.com/hubfs/Clients%20(July%202026)/FlexMoney.jpeg) ![Magical Credit](https://trustscience.com/hubfs/Clients%20(July%202026)/magical%20credit%20logo.jpg) ![Loansville](https://trustscience.com/hubfs/Clients%20(July%202026)/loansville%20logo.png) ![Stepstone](https://trustscience.com/hubfs/Clients%20(July%202026)/stepsotne%20credit%20logo.png) ![American Finance](https://trustscience.com/hubfs/Clients%20(July%202026)/American%20Finance.jpg) ![Carhive](https://trustscience.com/hubfs/Carhive.png) ![Lendie](https://trustscience.com/hubfs/Clients%20(July%202026)/Lendie.png) ![Payment 1](https://trustscience.com/hubfs/Clients%20(July%202026)/Payment%201.png) ![Vida Finance](https://trustscience.com/hubfs/Clients%20(July%202026)/Vida%20Finance.png) ![Pathway](https://trustscience.com/hubfs/Clients%20(July%202026)/pathway%20credit%20logo.png) ![Go Loans](https://trustscience.com/hubfs/Clients%20(July%202026)/GoLoanslogo.png) ![Pony Money](https://trustscience.com/hubfs/Clients%20(July%202026)/pony_money_logo.jpg) ![Toledo Finance](https://trustscience.com/hubfs/Clients%20(July%202026)/Toledo%20Finance.jpg)

 Credit Bureau+™

## The full credit picture. *No blind spots.*

 Access traditional, alternative, and proprietary credit data in a single, unified platform — purpose-built for modern lenders who can't afford blind spots.

- Real-time bureau pulls with instant fraud detection
- Traditional, alternative, and proprietary data layered on every file
- 360° view of borrower profiles
- FCRA-Compliant Insights From Lead to Loan™

[Learn More](https://trustscience.com/credit-bureau) [Request Demo](https://trustscience.com/demo)

📊

Real-time Pull Updated continuously

![Credit Bureau+ Platform Screenshot](https://trustscience.com/hubfs/Homepage%20CB+.png)

✅

Identity Verified No fraud flags found

 T°Score™

## Score deeper. *Approve more.*

 Using our patented scoring technology, T°Score™ integrates conventional credit data with unique alternative signals to provide a comprehensive and evolving assessment of each applicant — identifying the Invisible Primes™ that traditional methods frequently overlook.

- Patented AI model combining 100+ data signals
- Identifies creditworthy [Invisible Prime™](https://trustscience.com#ip) borrowers
- Surfaces hidden subprimes that appear creditworthy on paper — before they reach your portfolio
- Explainable scores with clear adverse action reasons
- Models that sharpen continuously as real loan outcomes feed back in

[Learn More](https://trustscience.com/t-score) [Request Demo](https://trustscience.com/demo)

🎯

Invisible Prime™ Identified & approved

![T°Score Platform Screenshot](https://trustscience.com/hubfs/Homepage%20TScore.png)

📈

Score: 610 Missed by bureau alone

 CashFlow+™

## See the full income picture. *Lend with confidence.*

 CashFlow+™ delivers accurate, actionable insights into income patterns, cash flow reliability, and financial behavior — giving lenders the full picture before a single dollar is committed.

- Bank transaction data analysis across thousands of institutions
- Income verification for gig workers and non-traditional earners
- Reveals income consistency and emerging repayment risk signals
- Works standalone or amplifies Credit Bureau+™ and T°Score™ for a complete view

[Learn More](https://trustscience.com/cashflow) [Request Demo](https://trustscience.com/demo)

💳

Income Verified Gig + traditional sources

![CashFlow+ Analysis Screenshot](https://trustscience.com/hubfs/Trust-Science_Graphics_CashFlow_FIXED.png)

✅

Stable Cash Flow 12-month pattern confirmed

*1*  
in 5

The Invisible Prime™ Opportunity

## Creditworthy borrowers invisible to traditional scores

 Over 90 million people in North America lack a fully recognized credit footprint — not because they're risky, but because the system can't see them. Trust Science can. 

[Find Invisible Primes™](https://trustscience.com/demo)

🪪

#### Limited or no credit history

Individuals with limited interaction with conventional credit products — invisible to standard scoring models despite responsible financial behavior.

🌎

#### Recent immigrants

Creditworthy people whose prior financial history is not recognized by domestic credit systems despite years of responsible behavior abroad.

⚖️

#### Underserved communities

Populations affected by systemic barriers that reduce access to fair and inclusive financial services — despite being fully capable of repayment.

🚗

#### Gig workers & non-traditional earners

Consumers with irregular income streams or alternative employment structures that traditional underwriting models simply weren't built to handle.

Our Approach

## More than a platform. A strategic *lending partner.*

Trust Science delivers end-to-end services that transform how lenders acquire customers, manage risk, and navigate securitization.

### Customer Acquisition

Reach your ideal borrowers with targeted campaigns powered by our AI — designed to boost acquisition and conversion based on your specific underwriting criteria. Stop paying for leads you can't close.

### Risk Strategy

Transform your risk framework into a competitive edge with our decisioning platform and expert recommendations. Grow approval volume confidently while staying ahead of evolving credit risk dynamics.

### Rating Agency 2.0™

Securitize with intelligence using our advanced re-underwriting capabilities. Gain a clearer view of credit quality to make informed buying and selling decisions — minimizing risk at the portfolio level.

[Learn More](https://trustscience.com/services)

What Lenders Say

## Trusted by Industry Leaders

Real results, real lenders, real letters on company letterhead.

"

I can't say enough about this company's innovation, professionalism, and speed of execution. They are disrupting the credit scoring and loan decisioning industry and it's about time.

![GoDay logo](https://trustscience.com/hubfs/2025%20Brand%20Assets/goday%20icon.jpeg)

Jordan Hyde

Founder & CEO, GoDay

[Read the letter →](https://trustscience.com/hubfs/GoDay.pdf)

"

Working with Trust Science, we have been able to support and enhance our legacy workflow, knockout rules, and business/strategy stipulations with high ROI.

![AutoCapital Canada logo](https://trustscience.com/hubfs/2025%20Brand%20Assets/AutoCapital%20Canada.jpeg)

Steve Malone

President, AutoCapital Canada

[Read the letter →](https://trustscience.com/hubfs/Auto-Capital.pdf)

"

Today, we rely on Trust Science in every application we look at. The T°Score™ underpins our decisions.

![ConsumerCapital Canada logo](https://trustscience.com/hubfs/2025%20Brand%20Assets/consumercapital_canada_logo.jpeg)

Richard Evans

Chief Product Officer, ConsumerCapital Canada

[Read the letter →](https://trustscience.com/hubfs/Consumer%20Capital.pdf)

"

Trust Science and its Credit Bureau+™ service exceeded my expectations and continues to do so. The service properly and accurately scores consumers who are very hard to score.

![Eden Park logo](https://trustscience.com/hubfs/2025%20Brand%20Assets/eden%20park%20logo.jpg)

Mark Eleoff

Founder & CEO, Eden Park

[Read the letter →](https://trustscience.com/hubfs/Eden%20Park.pdf) 

[![The Globe and Mail](https://trustscience.com/hubfs/The%20Globe%20snd%20Mail.png) As featured in Report on Business Magazine "A Score to Settle" A feature on Trust Science and the case for rethinking the century-old credit bureau model. Read the article →](https://trustscience.com/blog/a-score-to-settle-edmonton-software-ace-looks-to-upend-one-of-the-worlds-most-entrenched-industries)

We've Got Answers

## Common Questions

Everything lenders ask before their first demo.

 How does real-time credit data help lenders make better decisions?

+

 Real-time data intelligence gives lenders constantly updated credit insights from traditional, alternative, and proprietary sources — providing a complete and current view of each borrower. This reduces the likelihood of outdated or incomplete profiles, strengthens fraud detection, and improves early risk warnings. By analyzing multiple data streams in seconds, lenders can make faster decisions, reduce manual reviews, and confidently approve borrowers who might otherwise be overlooked due to stale or insufficient data.

 How can I approve more borrowers without taking on additional risk?

+

 By using Trust Science's AI-driven credit scoring platform, which evaluates a broader and more reliable set of data than traditional models. Combining traditional bureau data with alternative and proprietary signals identifies creditworthy applicants who may be inaccurately scored or entirely missed by legacy systems. This reduces blind spots, improves fraud detection, and enables lenders to grow approval rates while maintaining strict risk controls — resulting in more originations, fewer defaults, and measurable ROI lift.

 What does Trust Science's AI-powered credit decisioning actually do?

+

 Trust Science's AI analyzes a wide range of data sources — including traditional bureau data, alternative data, and proprietary behavioral signals — using machine learning models that continuously learn and adapt. The result: lenders identify creditworthy applicants missed by conventional scoring, reduce fraud, and approve more qualified borrowers without increasing risk. Our explainable AI also ensures full regulatory compliance by providing clear, auditable adverse action reasons for every decision.

Start Today

## Approve more borrowers. *Without increasing risk.*

 From real-time credit insights to AI-powered scoring, Trust Science gives lenders the tools to make smarter, faster, and safer lending decisions — and find the borrowers others miss.

[Request a Demo](https://trustscience.com/demo) [Contact Us](https://trustscience.com/contact)

## Latest from Trust Science

[Trust Science's AI Fingerprint: A New Era for Digital Identity?](https://trustscience.com/blog/trust-sciences-ai-fingerprint-a-new-era-for-digital-identity)

ORIGINAL ARTICLE FROM BriefGlance.com Read Original Article 📊 Key...

[Anti-Fraud, Credit Bureau-grade Identity Technology patent Granted to Trust Science](https://trustscience.com/blog/anti-fraud-credit-bureau-grade-identity-technology-patent-granted-to-trust-science)

August 19, 2026 – Salt Lake City, Utah U.S. Patent no. 12437037B2...

[Trust Science® signs Master Services Agreement with TD Bank®](https://trustscience.com/blog/press-release-trust-science-signs-td-bank)

Read this press release in Canadian French / Lisez ce communiqué de...

#### **FASTER. BETTER. SMARTER.**

# Helping Lenders Find Better Borrowers™

Empowering lending through accuracy and fairness, Trust Science helps lenders make smarter and faster credit decisions while unlocking new portfolio opportunities. By using advanced AI and unique data sources, we uncover real credit potential that traditional scoring often misses. Our predictive credit scoring technology without increasing risk, and prevents fraud, all while helping more people gain access to the credit they deserve. We’re transforming how credit is understood, creating a system that works better for both lenders and borrowers.

[REQUEST A DEMO](https://trustscience.com/demo)

![UPDATED Trust Science - Bell Curve - Infographic 1](https://trustscience.com/hs-fs/hubfs/2025%20Brand%20Assets/UPDATED%20Trust%20Science%20-%20Bell%20Curve%20-%20Infographic%201.png?width=2000&height=1220&name=UPDATED%20Trust%20Science%20-%20Bell%20Curve%20-%20Infographic%201.png "UPDATED Trust Science - Bell Curve - Infographic 1")

## Trusted By:

![goDay](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/goDay.png?width=200&height=85&name=goDay.png) ![flex money](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/flex%20money.png?width=200&height=85&name=flex%20money.png) ![magical credit](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/magical%20credit.png?width=200&height=85&name=magical%20credit.png) ![loansville](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/loansville.png?width=200&height=85&name=loansville.png) ![auto one](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/auto%20one.png?width=200&height=85&name=auto%20one.png) ![consumer capital](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/consumer%20capital.png?width=200&height=85&name=consumer%20capital.png) ![cwb](https://trustscience.com/hs-fs/hubfs/Logos/cwb.png?width=200&height=85&name=cwb.png) ![eden park](https://trustscience.com/hs-fs/hubfs/Logos/eden%20park.png?width=200&height=85&name=eden%20park.png) ![jp fin](https://trustscience.com/hs-fs/hubfs/Logos/jp%20fin.png?width=200&height=85&name=jp%20fin.png) ![stepstone credit logo](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/stepstone%20credit%20logo.png?width=200&height=75&name=stepstone%20credit%20logo.png) ![horsepower fin](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(1).png?width=200&height=85&name=logo%20(1)%20(1).png) ![653c7bd7c4ba79aa38fe2c62_acc 1](https://trustscience.com/hs-fs/hubfs/Logos/653c7bd7c4ba79aa38fe2c62_acc%201.png?width=200&height=35&name=653c7bd7c4ba79aa38fe2c62_acc%201.png) ![logo (1) (3)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(3).png?width=200&height=85&name=logo%20(1)%20(3).png) ![Group 28](https://trustscience.com/hs-fs/hubfs/Logos/Group%2028.png?width=200&height=85&name=Group%2028.png) ![Group-7@2x 1](https://trustscience.com/hs-fs/hubfs/Logos/Group-7@2x%201.png?width=200&height=99&name=Group-7@2x%201.png) ![Group 30](https://trustscience.com/hs-fs/hubfs/Logos/Group%2030.png?width=200&height=85&name=Group%2030.png) ![Group 31 (1)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(1).png?width=200&height=85&name=Group%2031%20(1).png) ![logo (1) (4)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(4).png?width=200&height=85&name=logo%20(1)%20(4).png) ![Group 31 (2)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(2).png?width=200&height=85&name=Group%2031%20(2).png) ![goDay](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/goDay.png?width=200&height=85&name=goDay.png) ![flex money](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/flex%20money.png?width=200&height=85&name=flex%20money.png) ![magical credit](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/magical%20credit.png?width=200&height=85&name=magical%20credit.png) ![loansville](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/loansville.png?width=200&height=85&name=loansville.png) ![auto one](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/auto%20one.png?width=200&height=85&name=auto%20one.png) ![consumer capital](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/consumer%20capital.png?width=200&height=85&name=consumer%20capital.png) ![cwb](https://trustscience.com/hs-fs/hubfs/Logos/cwb.png?width=200&height=85&name=cwb.png) ![eden park](https://trustscience.com/hs-fs/hubfs/Logos/eden%20park.png?width=200&height=85&name=eden%20park.png) ![jp fin](https://trustscience.com/hs-fs/hubfs/Logos/jp%20fin.png?width=200&height=85&name=jp%20fin.png) ![stepstone credit logo](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/stepstone%20credit%20logo.png?width=200&height=75&name=stepstone%20credit%20logo.png) ![horsepower fin](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(1).png?width=200&height=85&name=logo%20(1)%20(1).png) ![653c7bd7c4ba79aa38fe2c62_acc 1](https://trustscience.com/hs-fs/hubfs/Logos/653c7bd7c4ba79aa38fe2c62_acc%201.png?width=200&height=35&name=653c7bd7c4ba79aa38fe2c62_acc%201.png) ![logo (1) (3)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(3).png?width=200&height=85&name=logo%20(1)%20(3).png) ![Group 28](https://trustscience.com/hs-fs/hubfs/Logos/Group%2028.png?width=200&height=85&name=Group%2028.png) ![Group-7@2x 1](https://trustscience.com/hs-fs/hubfs/Logos/Group-7@2x%201.png?width=200&height=99&name=Group-7@2x%201.png) ![Group 30](https://trustscience.com/hs-fs/hubfs/Logos/Group%2030.png?width=200&height=85&name=Group%2030.png) ![Group 31 (1)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(1).png?width=200&height=85&name=Group%2031%20(1).png) ![logo (1) (4)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(4).png?width=200&height=85&name=logo%20(1)%20(4).png) ![Group 31 (2)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(2).png?width=200&height=85&name=Group%2031%20(2).png)

![goDay](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/goDay.png?width=200&height=85&name=goDay.png) ![flex money](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/flex%20money.png?width=200&height=85&name=flex%20money.png) ![magical credit](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/magical%20credit.png?width=200&height=85&name=magical%20credit.png) ![loansville](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/loansville.png?width=200&height=85&name=loansville.png) ![auto one](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/auto%20one.png?width=200&height=85&name=auto%20one.png) ![consumer capital](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/consumer%20capital.png?width=200&height=85&name=consumer%20capital.png) ![cwb](https://trustscience.com/hs-fs/hubfs/Logos/cwb.png?width=200&height=85&name=cwb.png) ![eden park](https://trustscience.com/hs-fs/hubfs/Logos/eden%20park.png?width=200&height=85&name=eden%20park.png) ![jp fin](https://trustscience.com/hs-fs/hubfs/Logos/jp%20fin.png?width=200&height=85&name=jp%20fin.png) ![stepstone credit logo](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/stepstone%20credit%20logo.png?width=200&height=75&name=stepstone%20credit%20logo.png) ![horsepower fin](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(1).png?width=200&height=85&name=logo%20(1)%20(1).png) ![653c7bd7c4ba79aa38fe2c62_acc 1](https://trustscience.com/hs-fs/hubfs/Logos/653c7bd7c4ba79aa38fe2c62_acc%201.png?width=200&height=35&name=653c7bd7c4ba79aa38fe2c62_acc%201.png) ![logo (1) (3)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(3).png?width=200&height=85&name=logo%20(1)%20(3).png) ![Group 28](https://trustscience.com/hs-fs/hubfs/Logos/Group%2028.png?width=200&height=85&name=Group%2028.png) ![Group-7@2x 1](https://trustscience.com/hs-fs/hubfs/Logos/Group-7@2x%201.png?width=200&height=99&name=Group-7@2x%201.png) ![Group 30](https://trustscience.com/hs-fs/hubfs/Logos/Group%2030.png?width=200&height=85&name=Group%2030.png) ![Group 31 (1)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(1).png?width=200&height=85&name=Group%2031%20(1).png) ![logo (1) (4)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(4).png?width=200&height=85&name=logo%20(1)%20(4).png) ![Group 31 (2)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(2).png?width=200&height=85&name=Group%2031%20(2).png) ![goDay](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/goDay.png?width=200&height=85&name=goDay.png) ![flex money](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/flex%20money.png?width=200&height=85&name=flex%20money.png) ![magical credit](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/magical%20credit.png?width=200&height=85&name=magical%20credit.png) ![loansville](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/loansville.png?width=200&height=85&name=loansville.png) ![auto one](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/auto%20one.png?width=200&height=85&name=auto%20one.png) ![consumer capital](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/consumer%20capital.png?width=200&height=85&name=consumer%20capital.png) ![cwb](https://trustscience.com/hs-fs/hubfs/Logos/cwb.png?width=200&height=85&name=cwb.png) ![eden park](https://trustscience.com/hs-fs/hubfs/Logos/eden%20park.png?width=200&height=85&name=eden%20park.png) ![jp fin](https://trustscience.com/hs-fs/hubfs/Logos/jp%20fin.png?width=200&height=85&name=jp%20fin.png) ![stepstone credit logo](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/stepstone%20credit%20logo.png?width=200&height=75&name=stepstone%20credit%20logo.png) ![horsepower fin](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(1).png?width=200&height=85&name=logo%20(1)%20(1).png) ![653c7bd7c4ba79aa38fe2c62_acc 1](https://trustscience.com/hs-fs/hubfs/Logos/653c7bd7c4ba79aa38fe2c62_acc%201.png?width=200&height=35&name=653c7bd7c4ba79aa38fe2c62_acc%201.png) ![logo (1) (3)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(3).png?width=200&height=85&name=logo%20(1)%20(3).png) ![Group 28](https://trustscience.com/hs-fs/hubfs/Logos/Group%2028.png?width=200&height=85&name=Group%2028.png) ![Group-7@2x 1](https://trustscience.com/hs-fs/hubfs/Logos/Group-7@2x%201.png?width=200&height=99&name=Group-7@2x%201.png) ![Group 30](https://trustscience.com/hs-fs/hubfs/Logos/Group%2030.png?width=200&height=85&name=Group%2030.png) ![Group 31 (1)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(1).png?width=200&height=85&name=Group%2031%20(1).png) ![logo (1) (4)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(4).png?width=200&height=85&name=logo%20(1)%20(4).png) ![Group 31 (2)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(2).png?width=200&height=85&name=Group%2031%20(2).png)

![goDay](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/goDay.png?width=200&height=85&name=goDay.png) ![flex money](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/flex%20money.png?width=200&height=85&name=flex%20money.png) ![magical credit](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/magical%20credit.png?width=200&height=85&name=magical%20credit.png) ![loansville](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/loansville.png?width=200&height=85&name=loansville.png) ![auto one](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/auto%20one.png?width=200&height=85&name=auto%20one.png) ![consumer capital](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/consumer%20capital.png?width=200&height=85&name=consumer%20capital.png) ![cwb](https://trustscience.com/hs-fs/hubfs/Logos/cwb.png?width=200&height=85&name=cwb.png) ![eden park](https://trustscience.com/hs-fs/hubfs/Logos/eden%20park.png?width=200&height=85&name=eden%20park.png) ![jp fin](https://trustscience.com/hs-fs/hubfs/Logos/jp%20fin.png?width=200&height=85&name=jp%20fin.png) ![stepstone credit logo](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/stepstone%20credit%20logo.png?width=200&height=75&name=stepstone%20credit%20logo.png) ![horsepower fin](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(1).png?width=200&height=85&name=logo%20(1)%20(1).png) ![653c7bd7c4ba79aa38fe2c62_acc 1](https://trustscience.com/hs-fs/hubfs/Logos/653c7bd7c4ba79aa38fe2c62_acc%201.png?width=200&height=35&name=653c7bd7c4ba79aa38fe2c62_acc%201.png) ![logo (1) (3)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(3).png?width=200&height=85&name=logo%20(1)%20(3).png) ![Group 28](https://trustscience.com/hs-fs/hubfs/Logos/Group%2028.png?width=200&height=85&name=Group%2028.png) ![Group-7@2x 1](https://trustscience.com/hs-fs/hubfs/Logos/Group-7@2x%201.png?width=200&height=99&name=Group-7@2x%201.png) ![Group 30](https://trustscience.com/hs-fs/hubfs/Logos/Group%2030.png?width=200&height=85&name=Group%2030.png) ![Group 31 (1)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(1).png?width=200&height=85&name=Group%2031%20(1).png) ![logo (1) (4)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(4).png?width=200&height=85&name=logo%20(1)%20(4).png) ![Group 31 (2)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(2).png?width=200&height=85&name=Group%2031%20(2).png) ![goDay](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/goDay.png?width=200&height=85&name=goDay.png) ![flex money](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/flex%20money.png?width=200&height=85&name=flex%20money.png) ![magical credit](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/magical%20credit.png?width=200&height=85&name=magical%20credit.png) ![loansville](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/loansville.png?width=200&height=85&name=loansville.png) ![auto one](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/auto%20one.png?width=200&height=85&name=auto%20one.png) ![consumer capital](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/consumer%20capital.png?width=200&height=85&name=consumer%20capital.png) ![cwb](https://trustscience.com/hs-fs/hubfs/Logos/cwb.png?width=200&height=85&name=cwb.png) ![eden park](https://trustscience.com/hs-fs/hubfs/Logos/eden%20park.png?width=200&height=85&name=eden%20park.png) ![jp fin](https://trustscience.com/hs-fs/hubfs/Logos/jp%20fin.png?width=200&height=85&name=jp%20fin.png) ![stepstone credit logo](https://trustscience.com/hs-fs/hubfs/Logos/Customer%20Logos/stepstone%20credit%20logo.png?width=200&height=75&name=stepstone%20credit%20logo.png) ![horsepower fin](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(1).png?width=200&height=85&name=logo%20(1)%20(1).png) ![653c7bd7c4ba79aa38fe2c62_acc 1](https://trustscience.com/hs-fs/hubfs/Logos/653c7bd7c4ba79aa38fe2c62_acc%201.png?width=200&height=35&name=653c7bd7c4ba79aa38fe2c62_acc%201.png) ![logo (1) (3)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(3).png?width=200&height=85&name=logo%20(1)%20(3).png) ![Group 28](https://trustscience.com/hs-fs/hubfs/Logos/Group%2028.png?width=200&height=85&name=Group%2028.png) ![Group-7@2x 1](https://trustscience.com/hs-fs/hubfs/Logos/Group-7@2x%201.png?width=200&height=99&name=Group-7@2x%201.png) ![Group 30](https://trustscience.com/hs-fs/hubfs/Logos/Group%2030.png?width=200&height=85&name=Group%2030.png) ![Group 31 (1)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(1).png?width=200&height=85&name=Group%2031%20(1).png) ![logo (1) (4)](https://trustscience.com/hs-fs/hubfs/Logos/logo%20(1)%20(4).png?width=200&height=85&name=logo%20(1)%20(4).png) ![Group 31 (2)](https://trustscience.com/hs-fs/hubfs/Logos/Group%2031%20(2).png?width=200&height=85&name=Group%2031%20(2).png)

![Homepage CB+](https://trustscience.com/hs-fs/hubfs/Homepage%20CB+.png?width=1366&height=865&name=Homepage%20CB+.png) ![Homepage TScore](https://trustscience.com/hs-fs/hubfs/Homepage%20TScore.png?width=925&height=799&name=Homepage%20TScore.png) ![Trust-Science_Graphics_CashFlow_FIXED](https://trustscience.com/hs-fs/hubfs/Trust-Science_Graphics_CashFlow_FIXED.png?width=2000&name=Trust-Science_Graphics_CashFlow_FIXED.png) ![Homepage Services](https://trustscience.com/hs-fs/hubfs/Homepage%20Services.png?width=1366&height=865&name=Homepage%20Services.png)

## Credit Bureau+™

Access real-time, credit data from traditional, alternative, and proprietary data. Purpose-built for modern lending, the platform empowers credit issuers to fight fraud, a complete portfolio of the borrower, and delivers fresh, reliable insights; delivering faster, smarter, and more decisive credit decisions while minimizing risk and discovering new opportunities.

[LEARN MORE](https://trustscience.com/credit-bureau)

[REQUEST A DEMO](https://trustscience.com/credit-bureau)

## T°Score™

By using our patented technology to combine traditional, alternative, and proprietary data, Six°Score™ provides lenders with a deeper, more dynamic view of every borrower, revealing new opportunities, minimizing risk, and empowering smarter lending decisions. It's a breakthrough innovation that helps identify creditworthy borrowers, including those in the Invisible Prime™ segment, and fuels more inclusive, responsible growth. 

[LEARN MORE](https://trustscience.com/t-score)

[REQUEST A DEMO](https://trustscience.com/t-score)

## CashFlow+™

By leveraging advanced data analysis, CashFlow+™ delivers accurate, actionable insights into income patterns, cash flow reliability, and overall financial behavior. This empowers lenders to make confident, data-informed decisions while uncovering new opportunities and minimizing risk.

[LEARN MORE](https://trustscience.com/cashflow)

[REQUEST A DEMO](https://trustscience.com/cashflow)

## Services

- **Customer Acquisition:** Reach your ideal customers with targeted campaigns powered by our AI, designed to boost acquisition and conversion based on your specific underwriting needs.
- **Risk Strategy:** Transform your risk strategy into a competitive edge with our decisioning platform and expert recommendations, enabling you to grow volume confidently while staying ahead of evolving risks.
- **Rating Agency 2.0™:** Securitize with intelligence using our advanced re-underwriting capabilities, gaining a clearer view of credit quality to make informed buying and selling decisions while minimizing risk.

[LEARN MORE](https://trustscience.com/services)

[REQUEST A DEMO](https://trustscience.com/services)

![Homepage CB+](https://trustscience.com/hs-fs/hubfs/Homepage%20CB+.png?width=1366&height=865&name=Homepage%20CB+.png)

## Credit Bureau+™

Access real-time, credit data from traditional, alternative, and proprietary data. Purpose-built for modern lending, the platform empowers credit issuers to fight fraud, a complete portfolio of the borrower, and delivers fresh, reliable insights; delivering faster, smarter, and more decisive credit decisions while minimizing risk and discovering new opportunities.

[LEARN MORE](https://trustscience.com/credit-bureau)

[REQUEST A DEMO](https://trustscience.com/credit-bureau)

![Homepage TScore](https://trustscience.com/hs-fs/hubfs/Homepage%20TScore.png?width=925&height=799&name=Homepage%20TScore.png)

## T°Score™

By using our patented technology to combine traditional, alternative, and proprietary data, Six°Score™ provides lenders with a deeper, more dynamic view of every borrower, revealing new opportunities, minimizing risk, and empowering smarter lending decisions. It's a breakthrough innovation that helps identify creditworthy borrowers, including those in the Invisible Prime™ segment, and fuels more inclusive, responsible growth. 

[LEARN MORE](https://trustscience.com/t-score)

[REQUEST A DEMO](https://trustscience.com/t-score)

![Trust-Science_Graphics_CashFlow_FIXED](https://trustscience.com/hs-fs/hubfs/Trust-Science_Graphics_CashFlow_FIXED.png?width=2000&name=Trust-Science_Graphics_CashFlow_FIXED.png)

## CashFlow+™

By leveraging advanced data analysis, CashFlow+™ delivers accurate, actionable insights into income patterns, cash flow reliability, and overall financial behavior. This empowers lenders to make confident, data-informed decisions while uncovering new opportunities and minimizing risk.

[LEARN MORE](https://trustscience.com/cashflow)

[REQUEST A DEMO](https://trustscience.com/cashflow)

![Homepage Services](https://trustscience.com/hs-fs/hubfs/Homepage%20Services.png?width=1366&height=865&name=Homepage%20Services.png)

## Services

- **Customer Acquisition:** Reach your ideal customers with targeted campaigns powered by our AI, designed to boost acquisition and conversion based on your specific underwriting needs.
- **Risk Strategy:** Transform your risk strategy into a competitive edge with our decisioning platform and expert recommendations, enabling you to grow volume confidently while staying ahead of evolving risks.
- **Rating Agency 2.0™:** Securitize with intelligence using our advanced re-underwriting capabilities, gaining a clearer view of credit quality to make informed buying and selling decisions while minimizing risk.

[LEARN MORE](https://trustscience.com/services)

[REQUEST A DEMO](https://trustscience.com/services)

## 1-in-5 Consumers are Invisible Primes™

Over 90 million people in North America lack a fully recognized credit footprint, shutting them out of the financial opportunities they deserve.

We’re breaking barriers and building bridges to ensure that lenders can better serve those who are: 

- **·** Lacking a traditional credit history or profile
- **·** Recent immigrants and without prior credit records in their new country
- **·** Part of marginalized groups facing systemic challenges
- **·** Underbanked or gig workers with unconventional finances

[REQUEST A DEMO](https://trustscience.com/demo)

![Untitled design (2)](https://trustscience.com/hs-fs/hubfs/2025%20Brand%20Assets/Untitled%20design%20(2).gif?width=1080&height=1080&name=Untitled%20design%20(2).gif "Untitled design (2)")

## What Our Clients Say

### Jordan Hyde

##### Founder & CEO, GoDay

*I can't say enough about this company's innovation, professionalism, and speed of execution. They are disrupting the credit scoring and loan decisioning industry and it's about time.*

[*Read the Full Letter*](https://trustscience.com/hubfs/GoDay.pdf)

### Steve Malone

##### President, AutoCapital Canada

*Working with Trust Science, we have been able to support and enhance our legacy workflow, knockout rules, and business/strategy stipulations with high ROI.*

[*Read the Full Letter*](https://trustscience.com/hubfs/Auto-Capital.pdf)

### Richard Evans

##### Chief Product Officer, ConsumerCapital Canada

*Today, we rely on Trust Science in every application we look at. The Six°Score™ underpins our decisions.*

[*Read the Full Letter*](https://trustscience.com/hubfs/Consumer%20Capital.pdf)

### Mark Eleoff

##### Founder & CEO, Eden Park - a subsidiary

*"Trust Science and its "Credit Bureau +" service exceeded my expectations and continues to do so. The service properly and accurately scores consumers who are very hard to score."*

[*Read the Full Letter*](https://trustscience.com/hubfs/Eden%20Park.pdf)

## Better Decisions, Better Results

*Actual results experienced by lenders using Credit Bureau+™*

 

### 27.9%

Increased Earnings

### 15.2%

Increased Return-on-Assets

### 13.5%

Reduction in Loss Rates

![TS-Asset_16](https://trustscience.com/hubfs/2025%20Brand%20Assets/TS-Asset_16.png)

## Start Approving More Borrowers, Without Increasing Risk

From powerful credit insights to real-time risk assessment tools, our products are designed to help lenders make smarter, faster, and safer lending decisions. Approve more borrowers with confidence, streamline your processes, and safeguard your portfolio with Trust Science by your side.

REQUEST A DEMO

### Stay Connected With Us!

Trust Science — Footer Redesign

[![Trust Science](https://trustscience.com/hubfs/2025%20Brand%20Assets/cropped%20logo.png)](https://trustscience.com)

[10130 103 Street, Floor 11  ·  Edmonton, AB Canada T5J 3N9](https://maps.app.goo.gl/59cAdoUxfEKbET3g8) 1(866) 687-8789

<https://www.linkedin.com/company/trust-science/> <https://x.com/trustscience>

#### Solutions

- [T°Score™](https://trustscience.com/t-score)
- [CashFlow+™](https://trustscience.com/cashflow)
- [Credit Bureau+™](https://trustscience.com/credit-bureau)
- [Services](https://trustscience.com/services)

#### Industries

- [Auto Lenders](https://trustscience.com/auto-lenders)
- [Installment & Single Repayment Lenders](https://trustscience.com/installment-single-repayment-models)

#### Company

- [About Us](https://trustscience.com/about)
- [Our Team](https://trustscience.com/team)
- [Press Releases](https://trustscience.com/blog/tag/press-releases)
- [Careers & Culture](https://trustscience.com/careers)
- [Technology & Patents](https://trustscience.com/technology-patents)

#### Resources

- [Marketing Channel Partners](https://trustscience.com/partners)
- [News & Blog](https://trustscience.com/blog)
- [Events](https://trustscience.com/events)
- [Gartner Research](https://trustscience.com/resources/gartner-research-mentions)

#### Support

- [Client Support](https://trustscience.com/contact-us/)
- [Consumer Disclosure](https://trustscience.com/legal/consumer)
- [Consumer Resources](https://trustscience.com/legal/help-page)

#### Legal

- [Privacy Policy](https://trustscience.com/privacy-policy)
- [Terms of Use](https://trustscience.com/terms-of-use)
- [Data Contribution](https://trustscience.com/data-contribution-policy)
- [Smart Consent™](https://trustscience.com/smart-consent)

[![SOC 2 Type II — AICPA](https://trustscience.com/hubfs/2025%20Brand%20Assets/aicpa.webp)](https://trustscience.com/news/press-releases/soc2-type2) [![SAP Ariba Verified](https://trustscience.com/hubfs/2025%20Brand%20Assets/arbia.webp)](https://portal.us.bn.cloud.ariba.com/profile/public?anId=AN11173586953&sourceApplication=SBN)

Trust Science® is a member of the American Financial Services Association (AFSA), the Canadian Lenders Association (CLA), the National Automotive Finance Association (NAF), The Online Lenders Alliance (OLA) and the Texas Consumer Finance Association (TCFA).

Trust Science® is committed to Fair Credit Reporting Act (FCRA) compliance and helping you protect and understand your consumer profile. For more information, please see our [Consumer Disclosure Page](https://trustscience.com/legal/consumer).

Trust Science®, Credit Bureau 2.0®, Credit Bureau 3.0® and Troo® are trademarks legally registered to www.TrustScience.com Inc. by the U.S. Patent & Trademark Office.

Credit Bureau+™, T°Score™, Six°Score™, CashFlow+™, Smart Consent™, Hidden Prime™, Invisible Prime™, Credit Bureau 4.0™, Personal Credit Bureau™, Personal Data Vault™, Auto Six°Score™, Auto Bureau™, Auto Credit Bureau™, Rating Agency 2.0™, Cashflow Bureau™, One Touch Lending™, Lead to Loan™, Lender in the Cloud™, Flow°Builder™, FCRA-Compliant Insights From Lead to Loan™, Go Beyond the Bureau™, Fixing the Credit Catch-22™, Find Invisible Primes™, and Helping Lenders Find Great Borrowers™ are trademarks of www.TrustScience.com Inc.

© 2026 Trust Science Inc. — All rights reserved.

![Trust Science Logo](https://trustscience.com/hs-fs/hubfs/2025%20Brand%20Assets/cropped%20logo.png?width=200&height=36&name=cropped%20logo.png "Trust Science Logo")

- [Privacy Policy](https://trustscience.com/privacy-policy)
- [Terms of Use](https://trustscience.com/terms-of-use)
- [Data Contribution](https://trustscience.com/data-contribution-policy)
- [Smart Consent™](https://trustscience.com/smart-consent)

- **Solutions**
- [T°Score™](https://trustscience.com/t-score)
- [CashFlow+™](https://trustscience.com/cashflow)
- [Credit Bureau+™](https://trustscience.com/credit-bureau)
- [Services](https://trustscience.com/services)

- **Industries**
- [Auto Lenders](https://trustscience.com/auto-lenders)
- [Installment & Single Payment Lenders](https://trustscience.com/installment-single-repayment-models)

- **Company**
- [About Us](https://trustscience.com/about)
- [Our Team](https://trustscience.com/team)
- [Press Releases](https://trustscience.com/blog/tag/press-releases)
- [Careers & Culture](https://trustscience.com/careers)
- [Technology & Patents](https://trustscience.com/technology-patents)

- **Resources**
- [Marketing Channel Partners](https://trustscience.com/partners)
- [News & Blog](https://trustscience.com/blog)
- [Events](https://trustscience.com/events)
- [Gartner Research](https://trustscience.com/events)

- **Support**
- [Client Support](https://trustscience.atlassian.net/servicedesk/customer/portal/5/user/login?destination=portal%2F5%2Fgroup%2F13)
- [Consumer Disclosure](https://trustscience.com/legal/consumer)
- [Consumer Resources](https://trustscience.com/legal/help-page)

10130 103 Street, Floor 11  
Edmonton, AB Canada T5J 3N9

1(866) 687-8789

[Follow us on Facebook](https://www.linkedin.com/company/trust-science/?originalSubdomain=ca) [Follow us on Twitter](https://twitter.com/trustscience?lang=ena)

[![aicpa](https://trustscience.com/hs-fs/hubfs/2025%20Brand%20Assets/aicpa.webp?width=100&height=99&name=aicpa.webp "aicpa")](https://www.trustscience.com/news/press-releases/soc2-type2)

[![arbia](https://trustscience.com/hs-fs/hubfs/2025%20Brand%20Assets/arbia.webp?width=180&height=55&name=arbia.webp "arbia")](https://portal.us.bn.cloud.ariba.com/profile/public?anId=AN11173586953&sourceApplication=SBN)

Trust Science® is a member of the American Financial Services Association (AFSA), the Canadian Lenders Association (CLA), the National Automotive Finance Association (NAF), The Online Lenders Alliance (OLA) and the Texas Consumer Finance Association (TCFA). 

Trust Science® is committed to Fair Credit Reporting Act (FCRA) compliance and helping you protect and understand your consumer profile. For more information, please see our [Consumer Disclosure Page](https://trustscience-6257140.hs-sites.com/legal/consumer).

Trust Science®, Credit Bureau 2.0®, Credit Bureau 3.0® and Troo® are trademarks that are legally registered to www.TrustScience.com Inc. by the U.S. Patent & Trademark Office. 

Credit Bureau+™, T°Score™, Six°Score™, CashFlow+™, Smart Consent™, Hidden Prime™, Invisible Prime™, Credit Bureau 4.0™, Personal Credit Bureau™, Personal Data Vault™, Auto Six°Score™, Auto Bureau™, Auto Credit Bureau™, Rating Agency 2.0™, Cashflow Bureau™, One Touch Lending™, Lead to Loan™, Lender in the Cloud™, Flow°Builder™, FCRA-Compliant Insights From Lead to Loan™, Go Beyond the Bureau™, Fixing the Credit Catch-22™, Find Invisible Primes™, and Helping Lenders Find Great Borrowers™ are trademarks of www.TrustScience.com Inc.

© 2026 Trust Science Inc. - All rights reserved.

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