---
title: T°Score™ | Trust Science
description: With T°Score™ lenders can increase loan approvals and unlock new opportunities without increasing risk by leveraging thousands of data points.
---
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T°Score™ — The Score That Sees Further | Trust Science
# 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.
[Request a Demo](https://trustscience.com/demo) [See How It Works](https://trustscience.com/t-score#engine)
✓ FCRA Compliant
✓ ECOA Reason Codes
✓ PIPEDA Compliant
✓ Explainable AI
Scroll
Introducing T°Score™
## 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.
[Request a Demo](https://trustscience.com/demo)
### 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.
*1*
in 5
The Hidden Market
## 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™](https://trustscience.com/demo)
The Six°Score™ Engine
## 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.
<580
Deep Subprime
580–659
Subprime
660–729
Prime
730+
Super Prime
Thousands of traditional and alternative data signals
Machine learning models continuously retrained on outcomes
Specialized models by lending vertical (auto, installment, short-term)
Explainable AI — full reason codes for every score output
Patented technology granted in 13+ countries
The Full Platform
## 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.
🧠
AI Scoring Engine
### 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.
Generates a score in the familiar **300–850 range** — familiar to lenders, powerful beyond what any bureau can see.
💡
Recommended Amounts
### 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.
Structure **the right offer for the right applicant**, every time. Maximize origination volume without over-extending risk.
🏦
Banking Score
### 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.
Works alongside or in place of traditional bureau scores — **adding depth where bureau data falls short.**
⚙️
Flow°Builder™
### 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.
Integrates seamlessly via **cloud-based API** into your existing workflow — no months-long implementation projects.
Lender Use Cases of T°Score™
## 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.
Real-Life Impact
## 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.
📋 Lender Assumptions
Annual non-prime applicants335,000
Current approval rate75%
Average loan size$2,500
Earnings per good loan$700
Loss per bad loan$1,850
📉
16.7%
Reduction in default rate
💰
$16.6M
Additional earnings in year one
📈
20%
Lift on return on capital
Built for Lenders
## 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.
See It In Action
## 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.
[Download Sample Report](https://share.hsforms.com/1tzvRLyDKRqWvKZy--FaPZQ3q41g) [Or request a live demo](https://trustscience.com/demo)
Complete the Platform
## Pair With the Full *Intelligence Suite*
T°Score™ is even more powerful when combined with Credit Bureau+™ data and CashFlow+™ bank intelligence.
### [Credit Bureau+™ 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.  Learn about Credit Bureau+™](https://trustscience.com/credit-bureau)
### [CashFlow+™ 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.  Learn about CashFlow+™](https://trustscience.com/cashflow)
Find Out What You Can Achieve
## 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](mailto:marketing@trustscience.com).
[Request a Demo](https://trustscience.com/demo) [Contact Us](https://trustscience.com/contact)
# 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.
[REQUEST YOUR FREE DEMO](https://trustscience.com/demo) [ACCESS A SAMPLE REPORT](https://trustscience.com/t-score#report)
.png)
## The Hidden Market in Your Applicant Pool
Traditional credit scoring falls short, often overlooking qualified applicants and causing missed lending (and revenue-making) opportunities.
Right now, a significant portion of creditworthy individuals remain Invisible Prime™ borrowers, people who are simply overlooked by traditional credit systems. Relying solely on conventional bureau data means missing opportunities to serve the very people who could benefit most.
## 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 delivering an intuitive credit score in the familiar 300–850 range, our platform goes beyond what traditional models can see. Using patented algorithms powered by AI and Machine Learning, it analyzes thousands of data points to provide a more complete, accurate, and actionable view of every 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**
Access powerful, specialized insights for your industry through standard and custom T°Score™ models, designed for installment, auto, and short-term repayment lending.
#### **Full Compliance**
Our explainable AI platform provides ECOA reason codes and undergoes strict model governance and debiasing processes.
## 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.
[REQUEST A DEMO](https://trustscience.com/demo)
### 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.
[REQUEST A DEMO](https://trustscience.com/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, 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.
[REQUEST A DEMO](https://trustscience.com/demo)
### 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.
[REQUEST A DEMO](https://trustscience.com/demo)
### 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.
[REQUEST A DEMO](https://trustscience.com/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, 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.
[REQUEST A DEMO](https://trustscience.com/demo)
## Statistically Validated Results
Our models aren’t just powerful, they’re proven. Based on an aggregated analysis of millions of non-prime borrowers in Canada and the U.S, Trust Science consistently demonstrates substantial lift compared to leading industry benchmark scores.
**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.
[](https://trustscience.com/demo)
## 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](mailto:marketing@trustscience.com)**
[SEE YOUR POTENTIAL ROI](https://trustscience.com/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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#### Company
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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.
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- [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)
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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.
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