For lending leaders who need to score financially stressed or under-banked borrowers in a fair & ethical way, right now

Start data-driven underwriting today. Use alternative data and Trust Science proprietary data to score borrowers. Get a digital platform that integrates into your workflow and supports contactless borrowing.

Welcome to Credit Bureau 2.0 ®

Just a few of our Customers benefiting from A.I. Powered Alternative Scoring with Credit Bureau 2.0 ®

*** The Office of the Superintendent of Financial Institutions regulates all banking in accordance with the Bank Act. It is a highly conservative regime by global standards, contributing to the extremely favorable reputation of the country's banking system worldwide. Only 35 domestic institutions meet the criteria and qualifications to enjoy a Schedule 1 charter under the Bank Act. These Trust Science® customers are one of those elite Schedule 1 banks.

Endorsement Letters

Eden Park

"Trust Science and its "Credit Bureau +" service exceeded my expectations and continues to do so. The service properly and accurately scores consumers who are very hard to score."

- Mark Eleoff
Founder & CEO

Magical Credit

"This solution is transformative in the under-served, financially-excluded sector of the economy. It can score thin files and no hits, and it can do so in a fluid credit environment."

- Natalie Bell
Co-Founder/COO

GoDay

"I can't say enough about this company's innovation, professionalism, and speed of execution. They are disrupting the credit scoring and loan decisioning industry and it's about time."

- Jordan Hyde
Founder & CEO

The Trust Science Difference

New Loan Data

Our models use alternative data plus Trust Science proprietary data. You can score financially distressed borrowers.

Dynamic Scores

Our models evolve based on patented methods. Your scores can adapt over time as your business and industry change.

Immediate AI Explainability

Get compliant and ranked AI explainability that is actionable for your consumers. They will know the causes for adverse action.

Data-driven Underwriting

Compare how Trust Science scores stack up against historical performance. Adjust your lending to improve performance.

Your Workflow

We integrate into any step of your decisioning process. We are your path to automated decisioning.

Digital Transformation

You can digitize your entire process, from leads to lending. Plus, offer consumers a front-end digital service.

What's New

Press

BHPH Dealer | June 2020 Lending in a Time of Disaster

A credit report is still a good source of information, a true picture of credit risk is needed, given the potential for inconsistencies in reporting.

Infographic

Alternative Data Credit Scoring Sources

What's in a custom score? Download the infographic to explore the broad range of data sources behind a custom credit score.

Press

BHPH Dealer | February 2021 | A Positive Perfect Storm?

All the stars seem to be aligning to make 2021 a strong year for BHPH. More market need. More ability to pay. More data. More options to reach and align with customers.