Trust Science

Trust Science provides credit decisioning software for lenders. Its explainable AI combines traditional credit data with alternative signals to assess borrowers that standard scores overlook.

What Trust Science offers

• T°Score — a patented scoring model that draws on more than 100 data signals.
• CashFlow+ — analysis of bank transaction data to judge income patterns and repayment risk, including for gig workers.
• Credit Bureau+ — bureau data combined with alternative and proprietary information.
• Fraud detection — real-time bureau pulls with instant fraud checks.
• Strategic lending support — help with customer acquisition and risk strategy.

Who it works with

Lenders, including auto lenders, working mainly in North America. The firm targets people with limited or foreign credit history.

Key facts

• Compliance: Insights described as FCRA-compliant
• Co-founder and CEO: Evan Chrapko