Lender Lifecycle

Optimized Insights at Every Stage

This is Credit Bureau+ ™.
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FCRA-Compliant Decisioning from Lead to Loan™

CMO
Step 1

Lead Sourcing and Screening

Leads that Count for Marketing that Pays™

  • Generate, filter, and score potential applicants for targeted marketing, aligning your underwriting & marketing criteria to achieve a low cost per conversion.
  • Use Trust Science’s proprietary data to build a pool of potential applicants with higher response and higher approval ratings.
  • We partner with mailhouses to directly execute campaigns and campaign result analyses.
CRO
Step 2

Loan Decisioning

More Originations. Less Defaults.

  • We pull data from thousands of different data points and input it into our artificial intelligence and machine learning models- giving you the most accurate results possible.
  • Trust Science is able to optimize ROA and RLA to your business strategy and underwriting preferences.
  • With our platform, we are able to target any specific needs or challenges with lending including raising profit margins, lowering defaults, and increasing originations.
Step 3

KYC, Identity & Fraud

Know Your Customer, Grow Your Book

  • Real-time, to the minute KYC information including name, address, institution, and more for identity attribute verification.
  • Verification of income and employment services validate income frequency and amounts.
  • Available mobile app, SmartConsent™, to collect KYC and check fraud attributes, then prefill the loan application reducing consumer friction.
Step 4

Servicing & Collections

Following Your Borrower for Analytics that Follow Through

  • Turn market volatility into an asset with our dynamic machine learning and rescoring to ensure lending decisions remain profitable.
  • Predictive analysis and recommended steps the lender can take for communication or actions for missed/late payments.
  • Ensure informed decision making for fluctuating customer employment information to ensure refinancing options lead to a win-win.
CFO
Step 5

Securitization

Optimized Insights for Optimized Book Value

  • Analytics across the entire loan lifecycle for performance management.
  • Accuracy and fidelity to identify undervalued tranches to optimize securitization strategy and negotiations.
  • Beat the conventional scores and find the over & undervalued loans to optimize your securitization negotiations.

FCRA-Compliant Decisioning from Lead to Loan™

CMO

Step 1

Lead Sourcing and Screening

Leads that Count for Marketing that Pays™

  • Generate, filter, and score potential applicants for targeted marketing, aligning your underwriting & marketing criteria to achieve a low cost per conversion.
  • Use Trust Science’s proprietary data to build a pool of potential applicants with higher response and higher approval ratings.
  • We partner with mailhouses to directly execute campaigns and campaign result analyses.
CRO
Step 2

Loan Decisioning

More Originations. Less Defaults.

  • We pull data from thousands of different data points and input it into our artificial intelligence and machine learning models- giving you the most accurate results possible.
  • Trust Science is able to optimize ROA and RLA to your business strategy and underwriting preferences.
  • With our platform, we are able to target any specific needs or challenges with lending including raising profit margins, lowering defaults, and increasing originations.
Step 3

KYC, Identity & Fraud

Know Your Customer, Grow Your Book

  • Real-time, to the minute KYC information including name, address, institution, and more for identity attribute verification.
  • Verification of income and employment services validate income frequency and amounts.
  • Available mobile app, SmartConsent™, to collect KYC and check fraud attributes, then prefill the loan application reducing consumer friction.
Step 4

Servicing & Collections

Following Your Borrower for Analytics that Follow Through

  • Turn market volatility into an asset with our dynamic machine learning and rescoring to ensure lending decisions remain profitable.
  • Predictive analysis and recommended steps the lender can take for communication or actions for missed/late payments.
  • Ensure informed decision making for fluctuating customer employment information to ensure refinancing options lead to a win-win.
CFO
Step 5

Securitization

Optimized Insights for Optimized Book Value

  • Analytics across the entire loan lifecycle for performance management.
  • Accuracy and fidelity to identify undervalued tranches to optimize securitization strategy and negotiations.
  • Beat the conventional scores and find the over & undervalued loans to optimize your securitization negotiations.

Ready to Learn More?

Ready to Learn More?

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WHAT MAKES US, US

Dynamic and Expandable

Trust Sciences patented methods are infinitely expandable and customizable, allowing you to adapt over time as your business and industry changes. Harness the power of our FCRA-compliant platform, with immediate and responsive versatility.

  • Compliant and ranked AI/ML expandability
  • Automate credit decisioning with Credit Bureau+ with our easy to integrate platform
  • Work across an infinite number of industries and use cases with our full suite of products
  • Incorporate your lending rules seamlessly to find Hidden Primes™ under your conditions
WHAT MAKES US, US

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