Credit evidence for the 4.8 million Canadians the bureau can’t see
Newcomers with no Canadian file. Self-employed owners whose NOA understates real income. Gig workers with multi-platform earnings. Borrowers whose score hides a full recovery. CanScoreAI assembles the verified evidence lenders need to say yes with confidence.
Four borrowers. One platform.
New to Canada
The bureau returns null — but your CRA income, rental streak, credentials, and foreign credit history tell the real story.
Rebuilding credit
A 560 score can’t show 26 clean months since a divorce or medical event. Our recovery analysis can.
Self-employed
Your NOA says $64K. Your 24-month cash flow says $142K. We document true income capacity.
Gig & casual workers
Uber + DoorDash + part-time work is real, stable income. We map it, smooth it, and prove it.
Verification you can audit
CanScoreAI is deterministic where it matters: every one of the 21 cross-validations is auditable code, not a black box. AI assists with reading documents — it never makes the credit decision. The current evidence score is an expert-rules system (v0), clearly labelled, on a published path to a trained model as real outcome data accumulates.