Equiscore is an additional evidence layer for cases your standard process cannot resolve. We are building our partner network ahead of full launch and working with a select group of organisations now.
Who we work with
Equiscore is designed for organisations that currently turn away applicants not because of demonstrated risk, but because the standard data is insufficient to make a confident decision.
Use Equiscore as an additional evidence layer for thin-file onboarding decisions, borderline affordability cases, and account reviews where standard bureau data returns insufficient results.
Learn moreReceive verified financial profiles from applicants as part of your referencing process. See income stability and payment behaviour without handling raw bank statements.
Learn moreSupplement bureau data with verified open banking-based affordability evidence for non-standard borrowers, self-employed applicants, and thin-file cases.
Learn moreMake better-informed onboarding decisions about direct debit terms and prepayment arrangements using verified payment behaviour and income stability data.
Learn moreUse cases
Equiscore is not a replacement for your existing process. It is the evidence layer that resolves the cases your current data cannot.
Bureau returns insufficient data
Trust Portfolio summary with income stability, payment behaviour and affordability signals
Banks, fintechs, lenders
Applicant has no UK credit history
Verified open banking income pattern and financial behaviour evidence from day one
Banks, landlords, utilities
Non-standard or variable income
Verified income range and consistency rating rather than a single payslip figure
Lenders, landlords, fintechs
Historic CIFAS marker or account closure
Rehabilitation Dossier showing current verified financial behaviour alongside the historical record
Banks, landlords, advisers
What you receive
Your team receives a clean summary of verified financial behaviour. No raw bank statements. No sensitive raw transaction data. Just the evidence needed to make a better-informed decision.
A verified, consent-led evidence summary including Trust Score grade, income stability rating, evidence module completion, and data coverage score. No raw transactions. No bank statements.
Income range and consistency derived from real bank data, not self-declared figures. Verified via FCA-authorised open banking infrastructure.
Every profile shared with your organisation was actively generated and sent by the applicant. You receive a timestamp, share reference, and expiry date as part of the evidence package.
How consent works
Equiscore operates on a fully consent-led model. An applicant builds their Trust Portfolio using their own data, connected via FCA-authorised open banking infrastructure. They then generate a share link and send it to you. You access their profile via that link.
You receive a structured summary of verified evidence. The applicant can set an expiry on the link and revoke access at any time. No profile is visible to your organisation without an active, applicant-generated link.
All data is processed under UK GDPR. Applicant data is not shared between partner organisations. No data is retained by Equiscore beyond what is necessary to operate the applicant's profile.
What Equiscore does not do
Early partner programme
We are working with a select group of institutions ahead of our full launch. Early partners shape how Equiscore integrates into real onboarding and referencing workflows.
To get in touch, email us at partners@equiscore.app or use the button below and we will come back to you within two business days.