The Score
That Sees More.
T°Score™ is a proprietary suite of credit scoring models, tailored specifically to the auto and consumer lending verticals, allowing you to say "yes" more often without increasing portfolio risk.
See Beyond
the Bureau
T°Score™ is Trust Science's comprehensive suite of AI-powered credit scoring models and decisioning tools, purpose-built for consumer and auto lending. Powered by the Six°Score™ AI engine, it synthesizes thousands of traditional, alternative, and behavioral data signals — helping lenders surface creditworthy borrowers, optimize loan outcomes, and maintain full regulatory compliance across the entire lending lifecycle.
Score More Applicants
Surface Invisible Prime™ borrowers — creditworthy thin-file and no-file applicants that conventional scoring models miss — and score more applicants across the full credit spectrum.
Vertical-Specific Models
Choose from standard and custom T°Score™ models purpose-built for installment, automotive, and short-term lending — each trained on years of vertical-specific performance data.
Explainable AI. Full Compliance.
Our scoring models undergo rigorous governance and debiasing. Every T°Score™ output includes clear, actionable reason codes — meeting FCRA, ECOA, PIPEDA, and all applicable regulatory requirements.
More Scored Applications
Greater visibility into thin-file applicants considered un-scorable by traditional bureaus. Turn missed declines into approved loans.
Vertical-Specific Models
Access powerful, specialized insights through standard and custom T°Score™ models designed for installment, auto, and short-term repayment lending.
Full Compliance, Zero Black Boxes
Our explainable AI platform provides ECOA reason codes with every score and undergoes strict model governance and debiasing processes.
in 5
Creditworthy borrowers
invisible to traditional scores
A substantial number of credit-ready consumers are currently classified as Invisible Prime™ borrowers. These individuals are frequently ignored by standard credit frameworks because of thin credit files, non-traditional sources of income, or sparse bureau records. By depending exclusively on legacy bureau data, you overlook the very segment that stands to gain the most from your offerings. T°Score™ provides the visibility needed to find them.
Find Invisible Primes™Patented AI. Familiar
300–850 Score Range.
Our proprietary AI engine, Six°Score™, serves as the core of T°Score™. By analyzing thousands of alternative and structured data signals, Six°Score™ produces a highly predictive credit score within the standard 300–850 range that lenders already rely on.
More Than a Score.
A Profitability Engine.
Spanning the complete lending lifecycle, T°Score™ provides actionable, high-impact insights for everything from initial acquisition and decisioning to ongoing portfolio management.
The Six°Score™ AI Engine
Leverages machine learning to find and analyze digital connections, alternative data, and behavioral signals that traditional models completely ignore. Built on years of non-prime lending data across Canada and the U.S.
Recommended Loan & Payment Amounts
Go beyond risk assessment and start optimizing for profit. T°Score™ also delivers recommended loan amounts (RLA) and recommended payment amounts (RPA) — tailored recommendations designed to optimize the lifetime value of every borrower.
Banking Score
A predictive score designed to complement or replace conventional bureau data. By leveraging real banking behaviours and cash flow intelligence, the Banking Score provides a more complete picture of a borrower's financial health — especially for thin-file applicants.
Automate Your Decisioning
Streamline your entire lending workflow with our no-code interface, Flow°Builder™. Eliminate manual oversight and implement underwriting rules, score cutoffs, product logic, and approval workflows — all through a visual, drag-and-drop interface.
How Lenders Put
T°Score™ to Work
T°Score™ integrates directly into your existing workflows, delivering measurable impact across every stage of the lending lifecycle.
Optimize Loan & Payment Amounts
Use T°Score™ to accurately calibrate loan and payment amounts based on predicted risk — approving more loans at the right size, not just the safest size.
Risk-Based Pricing
Implement dynamic, risk-based pricing models that reflect each borrower's true creditworthiness — improving yield while staying competitive in your market.
Real-Time Portfolio Analytics for Securitization
Leverage real-time portfolio analytics to support securitization — providing the granular, trustworthy data that rating agencies and investors require.
Credit Risk Screening for Direct Mail
Pre-screen applicants for direct mail campaigns using T°Score™ — targeting the highest-quality prospects and reducing wasted acquisition spend.
* Available in the United States only.
What Could T°Score™
Do for Your Portfolio?
See the impact a non-prime lender could achieve in one year by switching to T°Score™ from a conventional bureau-only model.
Fast to Deploy.
Powerful from Day One.
T°Score™ is designed to integrate into your existing workflows immediately. No months-long implementation. No new infrastructure.
Fast, Easy, Efficient Deployment
Don't spend months revising workflows. Our ready-to-use scores integrate seamlessly with your existing LOS/LMS via a simple cloud-based API.
Optimize Borrower Lifetime Value
Recommended loan and payment amounts tailored to each customer — designed to maximize lifetime borrower value without overextending your portfolio.
Confidence in Compliance
Our Explainable AI approach means transparent, ECOA-compliant reason codes with every score — giving you the audit trail you need.
Request a Sample Report
Get a glimpse into what lenders see when using T°Score™. Our sample report offers a detailed breakdown including credit history, banking data analysis, and actionable insights for decision-making.
T°Score™ Sample Report
See exactly what your underwriters will receive — score, reason codes, data signals, and recommended loan parameters.
Pair With the Full
Intelligence Suite
T°Score™ is even more powerful when combined with Credit Bureau+™ data and CashFlow+™ bank intelligence.
The Complete Borrower Picture. In Real Time.
Layer T°Score™ on top of Credit Bureau+™ data for the most complete, multi-source decisioning view in the industry.
Income Clarity. Lending Confidence.
Add real-time income verification and bank transaction data to your T°Score™ decisioning for a complete view of every borrower's financial health.
Harness the Score
That Sees Further.
Ready to unlock new lending opportunities, reduce default rates, and automate your underwriting? Contact us to see how T°Score™ can transform your bottom line — or email us directly at marketing@trustscience.com.
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 advanced credit default score, built on explainable AI and Machine Learning. It turns millions of complex data points into clear, actionable insights, so you can confidently approve more creditworthy borrowers.
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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
