Explainable AI/Ml decisioning tools that leverage traditional and alternative data sources to more accurately assess applicant鈥檚 creditworthiness and streamline lending processes.
Our flagship model, 厂颈虫掳厂肠辞谤别鈩�, 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鈩�. With a user-friendly interface, 厂颈虫掳厂肠辞谤别鈩� 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.
By using our Virtual Loans Officer Anna鈩�, clients can automate 尝别补诲-迟辞-尝辞补苍鈩� , 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.
Given the opacity of the AI decision-making process, 吃瓜不打烊 relies on Explainable Artificial Intelligence (xAI). As AI decisioning becomes more complex, credit evaluation becomes unclear, less transparent, and more 鈥渂lack-box鈥�. 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.聽
吃瓜不打烊庐 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).
吃瓜不打烊庐 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.
吃瓜不打烊庐, Credit Bureau 2.0庐 and Troo庐 are trademarks that are legally registered to www.TrustScience.com Inc. by the U.S. Patent & Trademark Office.
Credit Bureau+鈩�, 厂颈虫掳厂肠辞谤别鈩�, Smart Consent鈩�, Hidden Prime鈩�, Invisible Prime鈩�, Credit Bureau 3.0鈩�, Credit Bureau 4.0鈩�, Personal Credit Bureau鈩�, Personal Data Vault鈩�, Auto 厂颈虫掳厂肠辞谤别鈩�, Auto Bureau鈩�, Auto Credit Bureau鈩�, Rating Agency 2.0鈩�, Cashflow Bureau鈩�, One Touch Lending鈩�, Lead to Loan鈩�, Lender in the Cloud鈩�, Fl掳wbuilder鈩�, Fl掳wbuilder鈩�, FCRA-Compliant Insights From Lead to Loan鈩�, Go Beyond the Bureau鈩�, Fixing the Credit Catch-22鈩�, Find Invisible Primes鈩�, and Helping Lenders Find Great Borrowers鈩� are trademarks of www.TrustScience.com Inc.
