Stop Saying 'No' to Good Borrowers
Optimize Risk and Reward with T°Score™
Find the Invisible Primes™ that traditional credit scores miss. T°Score™ is Trust Science's flagship credit probability of default score, leveraging thousands of data points on an explainable AI and ML platform to help you stop missing creditworthy borrowers.
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The Hidden Market in Your Applicant Pool
Traditional credit scoring is broken. It can’t fairly or accurately assess every applicant, forcing you to decline potentially profitable loans.
Right now, roughly 1 in 5 Americans are Invisible Prime™ borrowers. These are creditworthy individuals who are simply invisible to conventional systems. By relying only on traditional bureau data, you are leaving money on the table and turning away the very people you could be helping.

Introducing T°Score™: See Beyond the Bureau
T°Score™ is a powerful, FCRA-compliant credit assessment solution that uses Artificial Intelligence to accurately determine an individual's creditworthiness.
While it provides an intuitive and easy-to-understand credit score in the traditional 300-850 range, our platform sees what others can't. We use patented algorithms that leverage Machine Learning and AI to analyze thousands of data points, giving you a comprehensive, accurate picture of your borrower.
With T°Score™, you get:
More Scored Applications
Greater visibility into thin file applicants that are considered unscorable by the traditional bureaus.
Vertical-Specific Models
Full Compliance

Real-Life, Bottom-Line Impact
See the impact a non-prime lender could achieve in one year by switching to the T°Score™.
Assuming the lender:
- Sees 335,000 non-prime applicants
- Approves 75% of applicants
- Has a $2,500 average loan size
- Earns $700 on good loans and loses $1,850 on bad loans
By using the T°Score™, this lender would see:
- A 16.7% reduction in their default rate
- An additional $16.6 million in earnings
- A 20% lift on return on capital
Here's what the T°Score™ platform includes:



The Six°Score™ Engine
The heart of our platform is the Six°Score™, a powerful AI engine that generates a highly predictive score in the familiar 300-850 range. Unlike traditional models, the Six°Score™ drills into the vast amount of unstructured data available in our hyper-connected world. It leverages Machine Learning and AI to find and analyze digital connections, interactions, and geo-location data to provide a highly accurate consumer rating.
Built on multiple years of experience, we offer specialized models based on industry and type of lending.
Recommended Loan & Payment Amounts (RLA/RPA)
Go beyond risk assessment and start optimizing for profit. The T°Score™ platform also delivers recommended loan amounts and payment amounts.
This powerful feature provides tailored recommendations designed to optimize the lifetime value of borrowers, helping you structure the right offer for the right applicant, every time.
Automate Your Decisioning
Experience a smarter way to streamline your lending processes with our automated decisioning platform. Eliminate manual oversight and the need for human intervention, aided by our no-code interface, Flow°Builder™, for lead screening, approvals and declines, loan terms, and recommended loan amounts.
Easily implement underwriting processes, product rules, and score cutoffs, all integrated seamlessly through a cloud-based API into your existing lending systems.

The Six°Score™ Engine
The heart of our platform is the Six°Score™, a powerful AI engine that generates a highly predictive score in the familiar 300-850 range. Unlike traditional models, the Six°Score™ drills into the vast amount of unstructured data available in our hyper-connected world. It leverages Machine Learning and AI to find and analyze digital connections, interactions, and geo-location data to provide a highly accurate consumer rating.
Built on multiple years of experience, we offer specialized models based on industry and type of lending.

Recommended Loan & Payment Amounts (RLA/RPA)
Go beyond risk assessment and start optimizing for profit. The T°Score™ platform also delivers recommended loan amounts and payment amounts.
This powerful feature provides tailored recommendations designed to optimize the lifetime value of borrowers, helping you structure the right offer for the right applicant, every time.

Automate Your Decisioning
Experience a smarter way to streamline your lending processes with our automated decisioning platform. Eliminate manual oversight and the need for human intervention, aided by our no-code interface, Flow°Builder™, for lead screening, approvals and declines, loan terms, and recommended loan amounts.
Easily implement underwriting processes, product rules, and score cutoffs, all integrated seamlessly through a cloud-based API into your existing lending systems.
Statistically Validated Results
Our models aren't just powerful, they're proven. Based on an aggregated analysis of nearly 3 million non-prime U.S. borrowers, Trust Science found substantial lift compared to a leading industry benchmark score.
Key Findings Included:
- · Up to 66.88% KS Lift
- · Up to 48.24% Gini Lift
- · Up to 33.26% Bad Capture Lift
- · Up to 12.10% AUC-ROC Lift

More Than a Score. A Profitability Engine.
We deliver more than just a three-digit number. We provide powerful, operationalized insights to optimize your decisions across the entire lending lifecycle.
Fast, Easy, Efficient Deployment
Don't spend months revising workflows. Our ready-to-use scores integrate seamlessly with your existing LOS/LMS.
Optimize Borrower Lifetime Value
The software offers recommended loan amounts and payment amounts tailored to the customer, designed to optimize the lifetime value of your borrowers.
Confidence in Compliance
Our "No Black-Box AI" approach means you get transparent, ECOA-compliant reason codes with every score.

Get an Estimate, Book a Demo
Ready to harness volatility, maximize your returns, and automate your underwriting? Contact us to see how T°Score™ can impact your bottom line.
Or, email us directly at: Marketing@TrustScience.com