Purpose-Built Lending Intelligence
Proprietary scoring, real-time fraud detection, instant verification, and deep data services — every tool purpose-built for private money lenders.
The Product Family
Insight's products are the building blocks of Decision Cloud: TruScore for credit scoring, TruFraud for fraud detection, TruScreen for pre-decision filtering, TruPhone for phone intelligence, and Bank Verification for instant income and identity checks.
TruScore
Built specifically for online lending, not adapted from generic credit models. TruScore analyzes alternative data signals that traditional FICO misses — designed to identify profitable borrowers that other models overlook.
- Alternative data analysis
- Customizable risk tiers
- Real-time scoring
- Portfolio performance tracking
TruScreen
Filter applicants before they hit your pipeline. TruScreen instantly flags duplicates, velocity abusers, and previously rejected leads across the platform — starting at just ½¢ per check.
- Instant applicant pre-screening
- Duplicate lead detection across lenders
- Multi-application velocity filtering
- Platform-wide applicant intelligence
- Starting at ½¢ per check
TruFraud
Catches synthetic identities, stacked applications, and suspicious behavioral patterns in real time. TruFraud analyzes velocity, device fingerprinting, identity consistency, and behavioral signals before a single dollar is disbursed.
- Synthetic identity detection
- Application velocity monitoring
- Device fingerprinting
- Behavioral pattern analysis
- Real-time alerting
TruBanking
Instant bank verification, cash flow analysis, and phone-based identity verification. Verify applicants in seconds, not days — with confidence scores that feed directly into your underwriting models.
- Instant bank verification
- Cash flow analysis
- Phone-based identity checks
- Income verification
- Account ownership validation
TruPhone
Verify phone line authenticity in real time. TruPhone detects VoIP and virtual numbers, confirms carrier and line type, and matches names to numbers — giving you instant confidence in applicant contact information.
- VoIP & virtual number detection
- Landline vs. mobile identification
- Line age & activation history
- Name-to-number matching
- Real-time connected/disconnected status
The Data Layer Behind Every Decision
Access the industry's deepest data network through a single integration. Every signal you need to underwrite with confidence.
Credit Bureau Data
Pull tri-bureau credit reports with real-time refresh and automated attribute extraction.
Identity Verification
Multi-layered KYC with document verification, selfie matching, and OFAC screening.
Bank Account Verification
Instant account ownership confirmation with balance checks and transaction history.
Phone Intelligence
Carrier data, line type detection, and phone tenure analysis for identity confidence scoring.
Email Verification
Email age, domain reputation, breach history, and deliverability signals in real time.
Bankruptcy Monitoring
Continuous PACER monitoring with instant alerts on filings, discharges, and case updates.
Product Questions
How the Tru product family works together inside Decision Cloud.
How is TruScore different from a traditional credit score?+
TruScore analyzes 150+ data points that traditional scores miss — application behavior, shopping patterns, and alternative data signals built specifically for private lending. That reach matters for applicants with thin or no bureau history, a population the CFPB calls 'credit invisible' in its research on limited credit records. CFPB research on credit invisibility
When should we use TruScreen?+
At the very top of your funnel. TruScreen is a pre-decisioning signal that flags loan stacking, multi-app fraud, and comparison shoppers before you commit to an expensive bureau pull — so you stop paying to evaluate applicants who were never going to fund.
What does TruFraud actually check?+
TruFraud validates IP, email, device, and address in real time, runs proxy detection and velocity checks, and draws on 50+ fraud-specific data points from a co-op network of 2B+ transactions per year. It's built to catch synthetic identities — which the Federal Reserve reports is the fastest-growing type of financial crime in the United States. Federal Reserve on synthetic identity fraud
What does Bank Verification add to underwriting?+
Real-time bank verification, cash flow analysis, and identity checks let you verify applicants in seconds instead of days. Automated banking decisions reduce manual review and speed up funding without loosening your credit policy.
Do we have to adopt every product at once?+
No. Each product runs as a capability inside Decision Cloud, so you can enable TruScore, TruFraud, TruPhone, TruScreen, or Bank Verification individually and add the rest to your waterfall as your operation grows.
Ready to Upgrade Your Lending Stack?
See how TruScore, TruFraud, TruBanking, TruPhone, and TruScreen work together to help you approve more borrowers — with less risk.