Credit bureaus own credit history. 360RiskProfile owns risk context. Fragmented legal, financial, behavioral and stability signals — unified into explainable intelligence.
A bureau number captures repayment history. It tells you nothing about legal exposure, behavioral instability, or real-world risk context. The world needs more.
Court records, financial filings, address history, business registrations — the data is public, dispersed, and untranslated. Nobody has connected the dots. Until now.
360RiskProfile unifies fragmented signals into a single explainable risk context layer — the intelligence infrastructure the modern economy has been missing.
The 360 Confidence Score synthesises every signal into a single explainable index. Not a black box — a full audit trail showing exactly what drove the result.
Industry-specific risk profiles powered by the same unified data network.
Beyond binary background checks — holistic profiles surfacing behavioral, legal, and stability signals relevant to the role.
Reach thin-file customers with contextual risk signals. Supplement credit scores with stability, legal, and behavioral data.
Behavioral, stability, and legal history signals enabling smarter underwriting decisions with full explainability.
Assess investor risk tolerance, behavioral patterns, and financial resilience to ensure suitability and regulatory alignment.
The Personal Risk Passport allows individuals to maintain, verify, and selectively share their risk context — on their terms, not the institution's.
One architecture. Four scoring engines. Every decision enriched with explainable, real-world intelligence that credit scores were never designed to provide.
Public records hold the truth about risk. They're scattered across thousands of jurisdictions, untranslated and invisible.
Our data network ingests, normalizes, and weights signals from every public source into a single coherent model.
Every score includes a full audit trail. Transparent drivers, weighted contributions, and source citations — no black boxes.
A five-layer pipeline from raw public data to explainable risk output.
Name, address history, and identity confidence scores from authoritative public sources.
Federal and state court records, civil suits, judgments, and criminal history.
Property ownership, UCC filings, bankruptcy, liens, foreclosure, and business entity health from public records.
Residential tenure, employment continuity, eviction records, domestic court filings, and business dissolution patterns.
| Signal Type | Credit Bureau | 360RiskProfile |
|---|---|---|
| Property & Asset Records | ✓ Yes | ✓ Yes |
| Legal Exposure (lawsuits, judgements) | ✗ No | ✓ Yes |
| Residential & Behavioral Continuity | ✗ No | ✓ Yes |
| Business Risk (dissolved entities) | ✗ No | ✓ Yes |
| Business & Occupational Patterns | ✗ No | ✓ Yes |
| Explainable Signal Drivers | ✗ No | ✓ Yes |
| Context-Aware Weighting | ✗ No | ✓ Yes |
The 360 Confidence Score is not a credit score. It's a composite confidence index synthesised from four scoring engines of real-world signal — with a full, auditable explanation of every point.
Four weighted engines. Each one draws from hundreds of public record signals, normalized and calibrated. You control the weights to match your context.
Billions of public records sit fragmented across federal agencies, state systems, and county courts. 360RiskProfile's Risk Network connects them into a continuously updated intelligence layer.
Every data point passes through ingestion, normalization, entity resolution, and weighting before contributing to any risk profile.
360RiskProfile is the risk intelligence layer of the modern economy — analytical, trustworthy, institutional-grade. Built for every organization that needs to understand risk beyond credit.
Every risk output is fully explainable. Signal drivers, domain weights, and public record citations — all surfaced in the API response.
Designed for the compliance, HR, lending, insurance, and investment contexts where risk decisions have real consequences.
Risk weighting adapts to the decision context. Employment, lending, insurance, investment — each has its own signal model.
Risk context for modern workforce decisions. Beyond binary background checks — holistic, explainable, role-calibrated.
Credit context beyond FICO. Reach thin-file customers with real-world signal intelligence that bureaus miss.
Underwriting intelligence from behavioral, stability, and legal history signals — fully explainable.
Suitability intelligence across risk tolerance, behavioral patterns, and financial resilience.
Public records are not just a historical archive — they are a behavioral dataset. Patterns in how people move, register, litigate, and dissolve entities are leading indicators of future risk. 360RiskProfile reads those patterns before they become problems.
Every address change, business registration, court filing, and entity dissolution is a data point. Taken individually they are events. Taken together they are a behavioral signature.
Behavioral instability precedes financial distress. Address churn precedes default. Litigation frequency precedes fraud. The signal comes before the outcome — if you know where to look.
Credit scores measure what already happened. Behavioral signals measure trajectory. 360RiskProfile delivers predictive intelligence that acts on where someone is heading, not just where they have been.
360RiskProfile tracks four behavioral dimensions derived entirely from public records. Each dimension tells a different part of the story. Together they produce a forward-looking risk signal unavailable from any credit bureau.
Each behavioral dimension is derived from public records, scored relative to population norms, and weighted by decision context. Together they form a trajectory — not a snapshot.
Address change frequency, duration at each residence, and geographic dispersion form a mobility signature. High-velocity movers — particularly those who move shortly before financial events — exhibit a pattern consistently preceding default, fraud, and claims escalation.
Civil litigation frequency, case outcomes, and the gap between filing dates reveal whether legal exposure is isolated or recurring. Individuals with escalating civil suit frequency — particularly in financial and contract disputes — show a trajectory that predicts future legal and financial risk.
Rapid entity formation and dissolution cycles — particularly when paired with address churn — are a strong leading indicator of financial instability. Serial dissolution activity precedes personal financial distress by an average of 14 months in 360RiskProfile's observed dataset.
Tax lien filings, financial judgement accumulation, and lien progression velocity paint a picture of financial trajectory. A single lien is an event. A sequence of liens with decreasing time intervals is a pattern — one that reliably predicts bankruptcy, default, and claims behavior within 18 months.
Credit bureaus record the outcome. 360RiskProfile detects the trajectory. Here is the typical observable window between behavioral signal emergence and downstream financial event.
Your risk context exists whether you know it or not. The 360 Risk Passport lets you see it, verify it, and share it — on your terms. Portable risk intelligence in your hands.
Your risk context exists in public records whether you see it or not. The 360 Risk Passport collects, verifies, encrypts, and packages it — then puts access entirely in your hands via revocable share tokens.
The 360 Risk Passport app is where you see, manage, and share your risk profile. You control every token, every share, every expiry.
Each credential is a verified, context-specific slice of your Risk Passport — shareable without exposing your full profile.
Traditional background checks are binary and incomplete. 360RiskProfile delivers holistic employee risk profiles — explainable signals calibrated to the role, not a generic pass/fail.
Traditional checks return a pass or fail based on narrow criminal lookups. They miss civil suits, stability signals, business history, and behavioral context. They don't explain the result.
360RiskProfile aggregates legal, financial, stability, and behavioral signals from public records. Dynamic role-based weighting ensures the right signals surface for the specific position — with full audit trail.
A traditional background check returns a binary verdict. 360RiskProfile returns a full intelligence profile — every signal sourced, weighted, and explained.
Credit bureaus own credit history — but millions of creditworthy people have thin files. 360RiskProfile fills the gap with legal, financial, and behavioral signals that bureaus miss.
Credit scores only capture borrowing history. New-to-credit customers, immigrants, young adults, and gig workers may be highly stable individuals invisible to traditional credit decisioning.
360RiskProfile augments or replaces FICO with stability scores, legal risk, behavioral patterns, and identity confidence — giving lenders a complete picture for every applicant regardless of credit file depth.
A FICO score tells a lender about borrowing history. 360RiskProfile tells them about the person — stability, legal exposure, behavioral patterns, and financial resilience from public records.
360RiskProfile enriches every lending decision with context that lives entirely in the public record — verifiable, explainable, and available for every applicant regardless of credit file depth.
Multi-source identity verification that links the applicant to their public-record signals with a documented confidence score — reducing fraud and namesake risk.
Civil suits, criminal records, judgments, and federal enforcement actions across all jurisdictions — the complete legal picture invisible to credit bureaus.
Property, UCC filings, tax liens, bankruptcy, foreclosure, and business-entity health — financial-stress signals that surface before they hit a credit score.
Residential tenure, employment continuity, and mobility patterns — among the strongest non-credit predictors of repayment behavior.
Behavioral patterns, stability history, and legal exposure — the signals that predict insurance risk live in the public record. 360RiskProfile makes them underwriting-ready.
Insurance risk lives in behavior — not just credit. 360RiskProfile surfaces signals from public records that predict claims exposure before a policy is written.
Registration frequency, address change velocity, and public record activity patterns that correlate with claims behavior.
Residential, occupational, and business continuity signals that underwriters have historically had no way to quantify or verify.
Civil suits, judgements, and legal disputes from county courts and federal records — a direct window into risk exposure.
Live risk signals flow through the 360 scoring hub and resolve into explainable underwriting outcomes.
Risk tolerance questionnaires are self-reported and gameable. 360RiskProfile delivers objective suitability intelligence from behavioral patterns, financial resilience, and real-world risk signals.
Questionnaires are self-reported and gameable. 360RiskProfile builds an investor suitability profile from financial resilience, behavioral patterns, and legal signals — all from verifiable public records.
Bankruptcy history, financial distress signals, and income stability indicators from public filings and records.
Objective behavioral indicators drawn from public records — less gameable than self-reported questionnaires.
Civil litigation history, regulatory actions, and legal judgements that signal risk profile and financial stability.
Traditional suitability is a self-reported questionnaire. 360RiskProfile replaces guesswork with objective public-record intelligence.
Behavioral, financial and stability signals resolve through the scoring hub into objective suitability intelligence.
Four products. One data network. Every use case where understanding risk beyond credit changes the outcome.
Beyond binary background checks. Holistic employee risk profiles calibrated to the role.
Reach thin-file customers with contextual risk intelligence bureaus were never built to provide.
Behavioral, stability, and legal history signals enabling smarter insurance decisions.
Objective suitability intelligence from behavioral, financial resilience, and legal signals.
RESTful API with full sandbox access. Integrate risk intelligence into any workflow in minutes. Authentication, webhooks, bulk processing — all documented.
Simple, predictable REST API. Every endpoint returns explainable risk data with full signal attribution.
// Generate a risk profile const response = await fetch( 'https://api.360riskprofile.com/v1/risk-profile', { method: 'POST', headers: { 'Authorization': `Bearer ${API_KEY}`, 'Content-Type': 'application/json' }, body: JSON.stringify({ subject: { first_name: 'Jamie', last_name: 'Davidson', ssn_last4: '4821' }, context: 'employment', domains: [ 'legal', 'financial', 'stability', 'behavioral' ] }) } ); const { confidence_score, drivers, domains, explanation } = await response.json(); // → { confidence_score: 68, drivers: [...] }
Official Node.js client with TypeScript support, automatic retries, and webhook handling built in.
Python client for data science workflows, batch processing, and server-side integrations.
Full sandbox environment with simulated profiles, test data sets, and response mocking for every endpoint.
360RiskProfile is the risk intelligence infrastructure the modern economy has been missing. We believe risk is multi-dimensional, signals exist everywhere, and people deserve to understand the context used to evaluate them.
Credit scores were designed for one purpose — predicting loan repayment. They were never meant to answer every risk question the modern economy asks.
Court records, business filings, address history — the truth about risk is already public. We built the infrastructure to read it.
Our category is not credit scoring. It's risk intelligence — the context layer that sits alongside credit history and makes every risk decision better.
Explainable risk. Every output includes the signals, weights, and public record sources that produced it. No black boxes, ever.
Customers define their own risk models. Dynamic weighting means the platform adapts to your context, not the other way around.
Signals across four engines of the public record universe — identity, legal, financial, behavioral.
Public-record grounded. Every signal is citable, traceable, and defensible — built for the compliance and audit requirements of institutional use.
Every trust decision in the modern economy — who to hire, fund, insure, back — is made with one-dimensional data. We exist to change that.
Hiring, lending, insuring, investing — each one is a bet on a person. And nearly every one of those bets is priced with a single number built to answer a different question: will this person repay a loan?
Americans the credit system cannot see. Creditworthy, employable, insurable — and unscoreable, because they never borrowed.
A life reduced to a binary. No context, no weighting, no relevance to the role — and no way for anyone to explain the outcome.
A score designed to predict loan repayment now gates jobs, homes, coverage, and capital. It was never built to carry that weight.
The public record already describes how people actually behave — how they honor obligations, resolve disputes, build businesses, hold licenses, put down roots. It is the richest behavioral dataset on earth, and it is fragmented across thousands of jurisdictions, formats, and filing cabinets.
Nobody reads it, because nobody could. Until now. We built the infrastructure that unifies it — and the intelligence that makes it explainable, auditable, and fair.
Four pillars. One direction. Each stage compounds the last.
500M+ fragments — courts, registries, licenses, liens, filings — resolved into one living Risk Network.
Every dimension of risk, synthesized into a single Confidence Score that can defend itself.
The Risk Passport — your context, verified and portable, shared on your terms.
Wherever a trust decision is made in the modern economy, context arrives with it.
Not a feature list. A sequence — each stage makes the next inevitable.
Unify the record. 500M+ public records resolved into one living Risk Network — the graph everything else is built on.
Four scoring engines go live — KYE, KYC, KYI, KYInv. One architecture, four decisions, every output explainable.
Risk context in every individual's pocket. Owned, verified, portable — shared on their terms, not the institution's.
Every trust decision, enriched with context. The infrastructure the modern economy didn't know it was missing — until it ran on it.
Every score decomposes to the source record that produced it. No black boxes, ever.
Individuals see their context, correct it, and decide who gets to read it.
Four engines, one picture. No single number decides alone.
Same signals, same weights, same math — for every profile, every time.
Request a personalized platform demo. We'll show you a live 360 Confidence Score for your specific use case — employment, lending, insurance, or investment.
The institutional platform gives organizations the intelligence to make better decisions. The 360 Risk Passport puts individuals in control of their own risk profile. Both are powered by the same engine.
Pull risk profiles on individuals and entities at scale. KYE, KYC, KYI, and KYInv — all powered by the same four-engine scoring system.
Understand, verify, and share your own risk context. The passport is yours — institutions pay to read it, not the other way around.
Multi-domain composite index across all four scoring engines. Free tier gets the score. Paid tiers get the full driver breakdown.
Unified public record map showing data sources, resolved entity, and signal derivation. Depth scales with tier.
Explainable, source-cited signal outputs across Identity, Legal, Financial, and Behavioral engines.
Predictive pattern analysis derived from public record behavior. Free gets a snapshot. Premium and above get the full trajectory model.
Looking for your personal Risk Passport?