Automated Loan Underwriting

Use big data for your loan underwriting. Get a full-service digital platform that works with your decisioning process. Scores you can count on, with machine learning and explainable AI.

This is Credit Bureau 2.0 ®.

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Score Thin-files & Credit Invisibles

Get predictable results. Our credit scoring machine learning models aren’t just based on your data. We also use consented consumer data plus Trust Science proprietary data.

  • You get the data trifecta, big data for automated loan underwriting
  • You get models that are dynamic and adapt with your needs
  • You can assess credit-worthiness with social, mobile and more data
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Shift to Dynamic Scores

Our credit scoring machine learning models evolve based on patented methods. Your scores can adapt over time as your business and industry change. No old data and static scores here.

  • You benefit from artificial intelligence and machine learning
  • You eliminate human error and automate credit decisioning
  • You gain more insights to acquire more and new customers

Use Explainable AI - No Black Box

Get immediate explainability that is compliant and AI based. Your consumers will know the causes for adverse action.

  • You get compliant and ranked AI explainability
  • You can offer consumers actionable insights
  • You benefit from transparency with open source based AI explainability
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Get Big Data with Our Data Trifecta

Our credit scoring machine learning models and AI use your data, consumer data and our Trust Science proprietary data. So you can get the right insights based on the loan type and consumer.

  • You can benefit from our structured and unstructured data
  • You can leverage additional public and consented data
  • Expands available data for decision making

Go 100% Digital - Easily & Quickly

Make your entire underwriting process digital from applications to lending. We can work with your existing LOS/LMS easily and quickly.

  • You can start working with us quickly and easily
  • You can integrate our credit scoring machine learning models into any step of your decisioning process
  • You can offer consumers an online app
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Start Predictable Lending Today.

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