Optimize Risk and Reward with T°Score™

Stop guessing and start making confident lending decisions. Designed with the complexities lenders face, T°Score™ delivers precise, fair, and comprehensive borrower risk insights, empowering them to make confident decisions with clarity and control.

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Make Better Lending Decisions

T°Score™ enables lenders to safely say “yes” more often without increasing risk. Whether integrated into their decision engine or used with Trust Science’s platform, lenders access consistent, explainable, and predictive measures of creditworthiness.
 

Predict Risk with Confidence

Understand the likelihood of a consumer defaulting within customized timeframes to align with your risk parameters.

See Beyond the Bureau

Go beyond traditional credit bureau data by leveraging thousands of alternative data points for a more accurate borrower profile.

Tailored Insights for Every Decision

Predict monthly net cashflow patterns, enabling recommendations for loan amounts and payment terms consumers can afford.
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Six°Score™

Our proprietary credit scoring model, tailored specifically to the auto and consumer lending verticals, allow lenders to say “yes” more often, while decreasing portfolio risk.

Use Six°Score™ in our decision engine or yours. Either way, add confidence in your underwriting decisions with a tailored, highly predictive Probability of Default score.

Combine our score with our banking, cashflow, and other proprietary data, for smarter credit decisions. Increase originations - not risk!

REQUEST A DEMO

Recommended Loan & Payment Amounts

Trust Science’s® Recommended Loan Amount (RLA) helps optimize the lifetime value of borrowers relative to the client’s risk tolerance and the risk of the borrower for payday and short-term installment loans.

The Recommended Payment Amount (RPA) is designed for mid to long installment loans that let you know how much an applicant can pay on a recurring basis allowing to optimize a loan amount. 

REQUEST A DEMO

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 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.

REQUEST A DEMO
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Six°Score™

Our proprietary credit scoring model, tailored specifically to the auto and consumer lending verticals, allow lenders to say “yes” more often, while decreasing portfolio risk.

Use Six°Score™ in our decision engine or yours. Either way, add confidence in your underwriting decisions with a tailored, highly predictive Probability of Default score.

Combine our score with our banking, cashflow, and other proprietary data, for smarter credit decisions. Increase originations - not risk!

REQUEST A DEMO
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Recommended Loan & Payment Amounts

Trust Science’s® Recommended Loan Amount (RLA) helps optimize the lifetime value of borrowers relative to the client’s risk tolerance and the risk of the borrower for payday and short-term installment loans.

The Recommended Payment Amount (RPA) is designed for mid to long installment loans that let you know how much an applicant can pay on a recurring basis allowing to optimize a loan amount. 

REQUEST A DEMO
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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 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.

REQUEST A DEMO
TRANSFORMING THE CREDIT INDUSTRY

Smarter Lending with T°Score™

Nearly 20% of Americans fall into the Invisible Prime™ category, often overlooked by traditional credit scoring methods.

With T°Score™ lenders can increase loan approvals and unlock new opportunities without increasing risk by leveraging thousands of data points from: conventional, alternative, and proprietary sources on a powerful explainable Al and ML platform.

REQUEST A DEMO
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Better Decisions, Better Lending

Lenders using T°Score™ consistently experience improved profitability and reduced risk, making it a trusted tool for smarter credit decisions.

Actual results experienced by lenders using T°Score™

 

27.9%

Increased Earnings

15.2%

Increased Return-on-Assets

13.5%

Reduction in Loss Rates
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Unlock the Full Potential of Every Borrower

With T°Score™ lenders can stop relying on incomplete data and inaccurate assessments that lead to missed opportunities. Request a demo today to see how other lenders are reducing risk, boosting originations, and confidently identifying creditworthy borrowers in the Invisible Prime™ segment.

REQUEST A DEMO

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.

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

1(866) 687-8789

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