The Trust Score is a transparent 0–1000 score built from how you really handle money — steady income, bills paid on time, tax set aside, savings kept. No credit bureau. No thin-file penalty. And a breakdown you can always see.
Interactive preview — drag any signal to see the score move. Real scores update automatically as you use Jmoor, and you can always see the breakdown.
The problem with credit scores
Newcomers, young earners, and the self-employed get low scores for a lack of history — not a lack of responsibility.
Traditional scores weigh old debts and past borrowing, not how well you handle money right now.
The bureau holds your data and the formula. You get a number, rarely a reason, and no real way to move it.
What it measures
Every signal, and exactly how much it counts. Drag them on the score dial above and watch your number move.
How steady your income is over time — stability, not size.
Your track record of meeting obligations when they’re due.
How consistently you set money aside as a share of income.
How reliably you reserve for tax, sweep by sweep.
Living within your means — spending measured against income.
Time in role and progression — with a bump for a raise or promotion.
Reliability in group savings and peer settlements.
Approval patterns and a clean, dispute-free record.
For the self-employed: invoices settled and volume, on time.
There’s nothing to apply for and no years to wait. Your score recomputes in the background whenever something real happens — so good habits show up quickly, and you can watch them add up.
You see the whole breakdown — nine signals, each with its weight and its contribution. No mystery number.
The same behaviour always produces the same score. It’s math, version-tracked and auditable — not a human’s judgement.
The score is computed inside Jmoor from your own activity. It isn’t sold, and nothing is shared externally without your say-so.
It’s built from real financial behaviour on the platform — not pulled from Equifax or TransUnion, and it doesn’t ding you for a thin file.
What it does for you
View your score, the band it sits in, and every signal’s contribution — including which ones need more data to count.
Group savings circles can require a minimum score to join, so everyone in the pool is vetted the same way.
Export a shareable passport of your standing — on your terms, when you choose to share it.
Where it’s going: as Jmoor grows, your Trust Score is designed to shape eligibility and limits across the platform — responsibly, and always transparently — so a strong reputation opens real doors.
Trust Score vs the traditional credit score
Who it’s for
New to the country with no local credit file — but a steady income and bills paid on time that finally count for something.
Irregular income and no pay stubs, but disciplined tax set-asides and invoices settled — measured at last.
Early in a career with a thin history, building a reputation from real habits instead of waiting years for a bureau to notice.
A rough patch in the past that shouldn’t define the present — a score that reflects how you manage money today.
Frequently Asked Questions
It’s a 0–1000 credit-intelligence score built from how you actually manage money on Jmoor — income consistency, bills paid on time, tax discipline, savings, spending, employment tenure, peer reputation, card behaviour, and (for the self-employed) contractor professionalism. It’s transparent: you can see every signal and how much it contributes.
Traditional scores are backward-looking, bureau-owned, and built from past borrowing — which punishes anyone with a thin file. The Trust Score is forward-looking and behavioural, built from your real activity, owned by you, and fully transparent. It doesn’t pull from the bureaus and doesn’t penalize you for a lack of borrowing history.
Yes — transparency is the point. The signals are income consistency (15%), bills paid on time (20%), savings velocity (10%), tax discipline (10%), spend-to-income (10%), employment tenure (10%), peer reputation (10%), card behaviour (10%), and contractor professionalism (5%). You can see each one’s contribution, and which ones don’t yet have enough data to count.
Automatically, as you use Jmoor. Getting paid, paying a bill on time, sweeping money aside for tax, hitting a savings goal, or using a card cleanly all feed the score, which recomputes in the background whenever a relevant event happens.
Today you can see and understand your score and its full breakdown, use it to join vetted peer savings circles (which can require a minimum score), and export a Financial Passport of your standing to share on your terms. Over time, your standing is designed to open more doors across the platform.
Yes. The score is computed inside Jmoor from your own activity, protected by strict tenant isolation, never sold, and not shared externally without your explicit consent. You own the underlying data.
No one hand-adjusts it. The score is deterministic math: the same behaviour always yields the same result, the algorithm is version-tracked, and every input is auditable — so it can’t be quietly nudged for or against anyone.
No. Your Trust Score and its full breakdown are available to you at no charge — it’s part of using Jmoor.
A score built from how you actually manage money — transparent, owned by you, and growing with every good habit. No bureau required.
One System. Every Number. Total Confidence.
