Credit Adjudication

Explainable AI/Ml decisioning tools that leverage traditional and alternative data sources to more accurately assess applicant’s creditworthiness and streamline lending processes.

THE KEY TO ASSESSING BORROWERS

Underlying Highly-Predictive Scoring Model

Our flagship model, Six°Score™, uses thousands of data points from conventional, alternative, and proprietary sources within our AI/ML framework. This creates a highly predictive credit score, helping US and Canada installment and auto lenders in accurately evaluating applicants’ creditworthiness, especially those with limited credit history, revealing Invisible Primes™. With a user-friendly interface, Six°Score™ employs a standard 350-800 score range. It consistently outperforms leading competitor scores across all metrics including, AUC, and Gini. This translates to increased originations, reduced defaults, or a mix of both.

EFFICIENT AND SEAMLESS

Automate Your Decisioning

By using our Virtual Loans Officer Anna™, clients can automate Lead-to-Loan™ , eliminating manual oversight. This covers Lead Screening, approvals/declines, loan terms, and recommended loan amounts. This swift process minimizes the need for human intervention, aided by our no-code interface. You can easily implement underwriting processes, product rules, and score cutoffs, all integrated seamlessly through a cloud-based API into your existing lending systems.

EASY TO UNDERSTAND

Fully Transparent Decisioning

Given the opacity of the AI decision-making process, Trust Science relies on Explainable Artificial Intelligence (xAI). As AI decisioning becomes more complex, credit evaluation becomes unclear, less transparent, and more “black-box”. xAI ensures accountability and transparency to AI models making sure that clients can trust, and understand why decisions are made. Integrating xAI into our credit adjudication process debugs errors, detects biases, enhances transparency, and leads to financial inclusion and equitable lending practices.

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Trust Science® is a member of the American Financial Services Association (AFSA), the Canadian Lenders Association (CLA), the National Automotive Finance Association (NAF), The Online Lenders Alliance (OLA) and the Texas Consumer Finance Association (TCFA).

Trust Science® is committed to Fair Credit Reporting Act (FCRA) compliance and helping you protect and understand your consumer profile. For more information, please see our Consumer Disclosure Page.

Trust Science®, Credit Bureau 2.0® and Troo® are trademarks that are legally registered to www.TrustScience.com Inc. by the U.S. Patent & Trademark Office.

Credit Bureau+™, Six°Score™, Smart Consent™, Hidden Prime™, Invisible Prime™, Credit Bureau 3.0™, Credit Bureau 4.0™, Personal Credit Bureau™, Personal Data Vault™, Auto Six°Score™, Auto Bureau™, Auto Credit Bureau™, Rating Agency 2.0™, Cashflow Bureau™, One Touch Lending™, Lead to Loan™, Lender in the Cloud™, Fl°wbuilder™, Fl°wbuilder™, FCRA-Compliant Insights From Lead to Loan™, Go Beyond the Bureau™, Fixing the Credit Catch-22™, Find Invisible Primes™, and Helping Lenders Find Great Borrowers™ are trademarks of www.TrustScience.com Inc.

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