Your Trust Portfolio is a structured, verified record of your financial behaviour. Not a credit score borrowed from a bureau, but a profile built directly from your own data, verified by Equiscore, and shared on your terms.
Landlords, lenders, banks and utility providers can request to view your portfolio. You decide who gets access and when. You can revoke that access at any time.
Understanding your Trust Portfolio
Because we produce a score, it is important to be clear about what that score represents and what it does not claim to do.
It is
A summary of verified evidence strength
The score reflects how complete and consistent your verified financial behaviour is. It represents what we can see, not a judgment on your character.
A portable evidence profile
You build it once and share it with whoever needs it, on your terms. It works across rental applications, bank onboarding, lending decisions and more.
User-controlled
Nothing is shared with any institution unless you explicitly generate and send a link. There is no background sharing.
A supplement to existing checks
It gives landlords, lenders and banks additional context they could not otherwise see. It works alongside their process, not instead of it.
It is not
A credit bureau score
We are not a credit reference agency. We do not supply data to credit bureaus, draw on bureau data to produce your score, or appear on your credit file.
A guarantee of approval
Institutions make their own decisions. Your Trust Portfolio gives them better evidence. It does not bind them to a particular outcome.
A replacement for existing checks
We work alongside your landlord or lender's existing process. We do not expect institutions to rely on a Trust Portfolio as their only decision input.
Automatically shared with anyone
Your score updates as you add evidence, but nothing is sent to any institution without a deliberate action from you. Private by default, always.
The scoring system
Trust Scores run from A to E. They are not a judgment on your past. They reflect the strength and completeness of your verified evidence right now, and they can improve as your profile grows.
Excellent
Strong, consistent financial behaviour across all verified evidence categories.
Good
Solid profile with minor gaps. Most providers will view this positively.
Fair
Reasonable behaviour with some inconsistency. Clear areas for improvement.
Building
Early stage profile or limited data. Progress visible and tracked over time.
Starting out
New to the platform or significant gaps in evidence. A starting point, not a verdict.
Your score is recalculated each time new evidence is added or verified. It reflects your current profile, not a fixed snapshot.
What your profile contains
Each module represents a category of evidence we can verify. The more modules you complete, the higher your data coverage score and the stronger your overall profile.
Open Banking
Verified income, regular outgoings and spending patterns pulled directly from your connected bank account.
Income Stability
Consistency of income over time, including variable and self-employed earnings the traditional system cannot see.
Identity
Verified identity documentation, confirmed through our secure onboarding process.
Rent & Bills
Evidence of regular payment behaviour for rent, utilities and other committed outgoings.
Data Coverage
A completeness score showing how much of the available evidence has been verified. More coverage means a stronger profile.
More modules added as the platform grows
Privacy by design
When you choose to share your Trust Portfolio, institutions receive a structured summary, not your raw bank data. They see what is relevant to their decision, verified by Equiscore, with nothing extra.
EQUISCORE
Trust Portfolio
You are in control
Your portfolio is never shared without your explicit action. When you are ready to use it, here is how it works.
Create a one-time or time-limited link from your dashboard to send to a specific institution or individual.
They see your verified Trust Portfolio summary. No raw bank data. No information beyond what you chose to include.
Once your application is decided, you can revoke the link from your dashboard. Access is gone immediately.
Takes about 15 minutes. Your data is encrypted and private. You decide who sees it.