---
title: Trust Science Services
description: By combining multiple data sources with advanced xAI and machine learning model your loan origination process is executed with top-tier efficiency
---
[.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)
Services — Trust Science
Services
# Services To Help You From *Lead‑To‑Loan™*
Activate the full power of your data. Our expert-led services transform industry-leading insights into decisive action — driving growth, optimizing risk, and maximizing portfolio value from Lead-To-Loan™ and beyond.
[Request a Demo](https://trustscience.com/demo)
Lead‑To‑Loan™
## An End-to-End Solution for the Modern Lender
The lending lifecycle is a complex and comprehensive process. Trust Science offers a suite of complementary services designed to support you at every stage — though they can also be selected individually as needed. Our three core services form a coherent, integrated lending lifecycle, making Trust Science not just a vendor of independent tools, but a strategic partner essential to your operational flow.
[Customer Acquisition Precisely target and acquire high-propensity borrowers while managing risk from the very first touchpoint. Learn more →](https://trustscience.com/services#customer-acquisition) [Risk Strategy Transform your risk models into a competitive advantage — approve more loans with confidence and drive volume safely. Learn more →](https://trustscience.com/services#risk-strategy) [Rating Agency 2.0™ Gain a real-time, dynamic view of your portfolio's credit quality to make intelligent securitization and trading decisions. Learn more →](https://trustscience.com/services#rating-agency)
Customer Acquisition
## Precision in Practice: Acquire the Right Customers, Right Now
Stop wasting marketing spend on unqualified leads. Our Customer Acquisition service leverages proprietary AI-driven models and advanced data analytics to connect your marketing and underwriting teams — driving higher conversions, lower acquisition costs, and truly sustainable growth.
Outbound
#### Direct Marketing
Batch-processed campaigns targeting pre-approved prospects from millions of records.
vs.
Inbound
#### Lead Screening Intelligence
Real-time API vetting of live inbound leads before any commitment of resources.
Direct Marketing
Lead Screening Intelligence
### Highly Targeted Outbound Campaigns
Our Direct Marketing service enables you to create highly effective outbound campaigns that align risk and propensity, finding qualified, in-market borrowers to significantly improve your customer acquisition efforts.
- **AI-Powered Targeting** Leverage our proprietary Six°Score™ and propensity models to pre-approve and target the most qualified candidates from millions of records, increasing conversions and reducing credit risk.
- **Customizable Risk Engine** Define and test granular risk rules with our intuitive Flow°Builder™ interface, enabling A/B testing and strategy optimization for your specific underwriting criteria.
- **Hyper-Local Customization** Utilize geofencing and store-by-store configurability to tailor offers to specific markets and demographics, maximizing campaign relevance and response.
- **Fully-Managed Campaign Execution** Our white-glove service includes complete coordination with data providers and mailhouses — from data pull to postage. We manage the logistics so you focus on results.
- **Performance Analytics** Receive comprehensive campaign analytics and reporting to measure ROI, reduce cost per funded loan, and continuously refine your strategy for smarter growth.
### Real-Time Inbound Lead Vetting
Gain a critical, low-cost intelligence advantage to screen out high-risk leads and purchase better leads from providers — mitigating acquisition costs and protecting your portfolio.
- **Low-Cost Risk Intelligence** Screen live, inbound leads using a cascade of low-cost, soft, or non-credit data sources to make an instant purchase or bid decision before committing significant resources.
- **Early-Stage Fraud Detection** Identify KYC red flags, velocity checks, and transaction risk signals at the earliest point of contact, preventing fraud before it enters your pipeline.
- **Flexible Integration** Manage data waterfalls and risk rules within our Flow°Builder™ interface or integrate directly with your existing LOS or LMS for seamless workflow automation.
- **Source Agnostic** Our platform is lead source agnostic — giving you the flexibility to work with any provider and apply consistent risk intelligence across all inbound channels.
Risk Strategy
## Turn Risk into Your Competitive Advantage
In today's market, a reactive risk strategy is a liability. We partner with you to make risk management your primary competitive differentiator — helping you confidently drive volume without increasing defaults, and seize opportunities that others miss.
This service is not just about providing a tool. It's about delivering expertise and a partnership that ensures the tool is used to its maximum potential, reflecting our commitment to being a trusted partner in your long-term success.
### Strategic Onboarding & Implementation
We begin our partnership by developing a bespoke implementation strategy, ensuring our solutions align perfectly with your portfolio goals and operational workflows from day one.
### Proactive Portfolio Reviews
Receive regular, data-driven reviews of your portfolio's performance, complete with actionable recommendations to optimize your strategy and stay ahead of evolving market risks.
### Powerful Decisioning Tools
Utilize Flow°Builder™ to create, manage, and deploy complex decisioning logic and data waterfalls with no-code simplicity — putting full control of your risk strategy in your hands.
### Uncover Hidden Opportunities
Our advanced AI and predictive analytics, powered by T°Score™, allow you to accurately assess borrowers missed by traditional scoring — turning the vast Invisible Prime™ segment into a source of profitable, sustainable growth.
Rating Agency 2.0™
## Securitize with Intelligence: Real-Time Portfolio Valuation
.png)
The era of relying on stale, static credit files for portfolio valuation is over. Rating Agency 2.0™ leverages advanced machine learning and real-time data to deliver a dynamic, up-to-date view of your portfolio's default risk and performance trends. Securitize with greater confidence, make faster and more profitable decisions, and gain a definitive competitive edge in the secondary market.
- **Dynamic Risk Assessment** Go beyond static scores. Our models provide a continuous, updated view of each file's default risk and risk trending — offering a true picture of your portfolio's health.
- **Batch Re-Underwriting** Efficiently re-evaluate entire loan pools or tranches to get a precise, current snapshot of credit quality and performance, informing your strategic decisions with fresh data.
- **Informed Asset Trading** Quickly and accurately identify over- or under-valued assets, enabling you to decide which loans to buy or sell with minimized risk and maximized returns.
- **Enhanced Securitization** Approach the securitization market with superior intelligence. Provide deeper, more credible insight into your portfolio's value to optimize negotiations and achieve more favorable outcomes.
## Your End-to-End Growth Partner
### From Insight to Impact, We're With You at Every Step
Trust Science is more than a technology vendor — we are your strategic partner in building a more profitable, efficient, and inclusive lending business. Our services integrate seamlessly into your workflow, providing the tools, expertise, and support you need to navigate the complexities of the modern credit landscape.
[Request a Demo](https://trustscience.com/demo)
# Services To Help You From Lead-To-Loan™
Activate the full power of your data. Our expert-led services transform industry-leading insights into decisive action, driving growth, optimizing risk, and maximizing portfolio value from Lead-To-Loan™ and beyond.
[REQUEST A DEMO](https://trustscience.com/demo)
.png)
## An End-to-End Solution for the Modern Lender
The lending lifecycle is a complex and comprehensive process. Trust Science offers a suite of complementary services designed to support you at every stage, though they can also be selected individually as needed. Our core services—Customer Acquisition, Risk Strategy, and Rating Agency 2.0™—are presented as interconnected stages within a single, coherent lending lifecycle. This integrated approach demonstrates that Trust Science is not just a vendor of independent tools, but a strategic partner essential to your operational lending flow.
#### **Customer Acquisition**
Precisely target and acquire high-propensity borrowers while managing risk from the first touchpoint.
#### **Risk Strategy**
Transform your risk models into a competitive advantage, enabling you to approve more loans with confidence and drive volume safely.
#### **Rating Agency 2.0™**
Gain a real-time, dynamic view of your portfolio's credit quality to make intelligent securitization and trading decisions.
#### **CUSTOMER ACQUISITION¹**
## Precision in Practice: Acquire the Right Customers, Right Now
Stop wasting marketing spend on unqualified leads. Our Customer Acquisition service leverages proprietary AI-driven models and advanced data analytics to connect your marketing and underwriting teams. Launch highly targeted campaigns customized to your specific risk criteria, driving higher conversions, lower acquisition costs, and truly sustainable growth.
We offer two distinct solutions to power your acquisition strategy, whether you are initiating contact or screening inbound interest. The following table clarifies the key differences, allowing lenders to quickly identify the solution that best fits their operational needs.
Direct Marketing
Lead Screening Intelligence
#### **Highly Targeted Outbound Campaigns**
Our Direct Marketing service enables you to create highly effective outbound campaigns that align risk and propensity, finding qualified, in-market borrowers to significantly improve your customer acquisition efforts
- **AI-Powered Targeting:** Leverage our proprietary Six°Score™ and propensity models to pre-approve and target the most qualified candidates from millions of records, increasing conversions and reducing credit risk
- **Customizable Risk Engine:** Define and test granular risk rules with our intuitive Flow°Builder™ interface, enabling A/B testing and strategy optimization for your specific underwriting criteria
- **Hyper-Local Customization:** Utilize geofencing and store-by-store configurability to tailor offers to specific markets and demographics, maximizing campaign relevance and response
- **Fully-Managed Campaign Execution:** Our white-glove service includes complete coordination with data providers and mailhouses (yours or ours), from data pull to postage. We manage the logistics so you can focus on the results
- **Performance Analytics:** Receive comprehensive campaign analytics and reporting to measure ROI, reduce cost per funded loan, and continuously refine your strategy for smarter growth
#### **Real-Time Inbound Lead Vetting**
Gain a critical, low-cost intelligence advantage to screen out high-risk leads and purchase better leads from providers, mitigating acquisition costs and protecting your portfolio.
- **Low-Cost Risk Intelligence:** Screen live, inbound leads using a cascade of low-cost, soft, or non-credit data sources to make an instant purchase or bid decision before committing significant resources
- **Early-Stage Fraud Detection:** Identify KYC red flags, velocity checks, and transaction risk signals at the earliest point of contact, preventing fraud before it enters your pipeline
- **Flexible Integration:** Manage data waterfalls and risk rules within our Flow°Builder™ interface or integrate directly with your existing LOS or LMS for seamless workflow automation
- **Source Agnostic:** Our platform is lead source agnostic, giving you the flexibility to work with any provider and apply a consistent layer of risk intelligence across all your inbound channels
#### **RISK STRATEGY**
## Turn Risk into Your Competitive Advantage
In today's market, a reactive risk strategy is a liability. We partner with you to make risk management your primary competitive differentiator. From a full-featured decisioning platform to ongoing strategic recommendations, our service helps you confidently drive volume without increasing defaults, ensuring you can seize opportunities that others miss.
This service is not just about providing a tool; it's about delivering expertise and a partnership that ensures the tool is used to its maximum potential, reflecting our commitment to being a trusted partner in your long-term success.
#### **Strategic Onboarding & Implementation**
We begin our partnership by developing a bespoke implementation strategy, ensuring our solutions align perfectly with your portfolio goals and operational workflows from day one
#### **Proactive Portfolio Reviews**
Receive regular, data-driven reviews of your portfolio's performance, complete with actionable recommendations to optimize your strategy and stay ahead of evolving market risks
#### **Powerful Decisioning Tools**
Utilize Flow°Builder™ to create, manage, and deploy complex decisioning logic and data waterfalls with no-code simplicity, putting full control of your risk strategy in your hands
#### **Uncover Hidden Opportunities**
Our advanced AI and predictive analytics, powered by products like T°Score™, allow you to accurately assess borrowers often missed by traditional scoring. This turns the vast Invisible Prime™ borrower segment into a source of profitable, sustainable growth for your business
#### **RATING AGENCY 2.0™**
## Securitize with Intelligence: Real-Time Portfolio Valuation
.png "Group 3 (2)")
The era of relying on stale, static credit files for portfolio valuation is over. Rating Agency 2.0™ leverages advanced machine learning and real-time data to deliver a dynamic, up-to-date view of your portfolio's default risk and performance trends. Securitize with greater confidence, make faster and more profitable trading decisions, and gain a definitive competitive edge in the secondary market.
- **· Dynamic Risk Assessment:** Go beyond static scores. Our models provide a continuous, updated view of each file's default risk and risk trending, offering a true picture of your portfolio's health
- **· Batch Re-Underwriting:** Efficiently re-evaluate entire loan pools or tranches to get a precise, current snapshot of credit quality and performance, informing your strategic decisions with fresh data
- **· Informed Asset Trading:** Quickly and accurately identify over- or under-valued assets, enabling you to decide which loans to buy or sell with minimized risk and maximized returns
- **· Enhanced Securitization:** Approach the securitization market with superior intelligence. Provide deeper, more credible insight into your portfolio's value to optimize negotiations and achieve more favorable outcomes
[](https://trustscience.com/demo)
## Your End-to-End Growth Partner
### From Insight to Impact, We're With You at Every Step
Trust Science is more than a technology vendor; we are your strategic partner in building a more profitable, efficient, and inclusive lending business. Our services are designed to integrate seamlessly into your workflow, providing the tools, expertise, and support you need to navigate the complexities of the modern credit landscape.
See how our expert-led services can help you find better borrowers, optimize risk, and unlock new revenue streams. Schedule your personalized demo today.
[REQUEST A DEMO](https://trustscience.com/demo)
*¹ At this time, Customer Acquisition services are only available in the United States.*
Trust Science — Footer Redesign
[](https://trustscience.com)
[10130 103 Street, Floor 11 · Edmonton, AB Canada T5J 3N9](https://maps.app.goo.gl/59cAdoUxfEKbET3g8) 1(866) 687-8789
#### 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)
[](https://trustscience.com/news/press-releases/soc2-type2) [](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.
- [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)
[](https://www.trustscience.com/news/press-releases/soc2-type2)
[](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.
