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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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.


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2020 Underwriting Trends: What to Expect

Find out how automotive dealers can take advantage of alternative data, credit score modelling, machine learning, loan automation, AI and more. Our expert panel, Trust Science CEO Evan Chrapko, and CTO Chris Matichuk (previously Netflix) will discuss where they see underwriting heading in 2020 (and beyond).

Watch Now

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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Mr. Don Guloien Invests

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

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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.

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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

Start Predictable Lending Today.

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