Sift Prime Borrowers from Wrongly-Scored Subprime Applicants

Start data-driven underwriting today. Use alternative data for the right subprime loan data. Get automatic recommended loan amounts pricing and terms that optimize outcomes that matter to you.

Welcome to Credit Bureau 2.0™

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COVID-19: How We Can Help Lenders

Letter from the CEO

Letter from the CEO

Dear Lenders,

The global COVID-19 health and economic crisis is changing hourly.

We believe we can only get through this together and we want to try and help in small ways.

Read the Letter

Get Expert Advice


We're offering expert advice to help you navigate this challenging economic climate.

Schedule a call with our in-house expert and former lender with 30+ years of experience, Chris Grnak, EVP Financial Services.

Schedule a Call

The Trust Science Difference
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Subprime Loan Data

Our models aren’t just based on your data. We also use aggregate market information plus Trust Science proprietary data.

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Dynamic Scores

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

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Immediate AI Explainability

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

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Data-driven Underwriting

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

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Your Workflow

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

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Digital Transformation

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

What's New



BHPH Dealer  | March 2020 Alternative Data for Credit Scoring 

Alternative data enables more consumers to get credit and empowers lenders to give more favorable terms to borrowers.

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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.

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Untapped Potential - How Tech Advances Underwriting

From the outside looking in, underwriting may seem like the simplest and most basic of tasks, but this is not always the case.

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Bryan Smith

VP Sales & Marketing, Inovatec

"Simple and powerful results for a more complete risk assessment of the individual."


Mark Eleoff

CEO, Eden Park Inc.

"Trust Science has proven themselves to be innovative, value-added, and very customer-centric in working with us to improve our credit decisions."

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

We're Getting Noticed
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CLA Leaders-in-Lending Nomination

CLA has nominated Trust Science CEO, Evan Chrapko in the 2019 Leaders-in-Lending Award for Top Executives in Lending.

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Mr. Don Guloien Invests

Mr. Guloien recently retired as the President & CEO of $1 Trillion (AUMA) Manulife Financial (parent of John Hancock)

red herring winner

Red Herring Winner

Trust Science was chosen as one of the most exciting and innovative technology companies in North America.

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BHPH Smartest Company

The NABD lists Trust Science as a top solution driving profitability for their members.


AI Company of the Year

The Canadian Fintech and AI Awards announced Trust Science as a nominee.


Most Innovative Banking Technology Provider

Trust Science was named a Finalist in Global Banking Technology Awards.

tim latimer magazine

Cashco endorses Trust Science partnership


"For over a year we have worked hand in hand with Trust Science® to assist with developing our new Algorithm-Based decisioning model and loan underwriting tool. At no time have they failed to deliver… Preliminary review of the data have shown that through the use of their new model there will be room for MILLIONS OF DOLLARS IN UPLIFT…"

- Tim Latimer, Cashco

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Start Predictable Lending Today.

Credit scoring you can count on that integrates into your decisioning process.