TAX RETURN SCORE
A Smarter Way to Measure Creditworthiness
Helping 45 Million Consumers Prove Their Ability to Pay
Tax Return Score analyzes verified IRS tax return data to reveal a borrower’s true financial capacity — beyond traditional credit scores.
The Science of the Score
Everyone starts with a perfect score of 850. Our proprietary mathematical algorithms measure tax return deviations against the averages of 154 million taxpayers.
Deduction Based
Points are subtracted for specific deviations. Accumulating more than 85 points in deductions drops your score to 764 (B+).
Cash Flow Logic
TRS calculates monthly cash flow from both taxable and non-taxable sources, unlike FICO which focuses only on debt repayment.
Scaling Grades
Exceed 170 points in deductions and your score moves to 669 (C+). This granular scale provides a precise risk assessment.
The Proof is in the Results
3% to 5% Accuracy Variance
Statistics compiled by EZ DOC Corporation show that Tax Return Scores are consistently within a tight margin of traditional credit scores, while identifying critical errors traditional bureaus miss.
Real Case: The 84-Point Correction
One client received a TRS of 803 vs. a bureau score of 720. TRS identified a paid-in-full $34,000 car loan still listed as active and a shared credit card error. Correcting these based on TRS insights increased their credit score by 84 points, nearly matching their TRS!
803
Initial TRS
720
Bureau Score
+84 Point Increase
Achieved after TRS-guided correction
Why You Should Use TRS
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Alternative Qualification
Points are subtracted for specific deviations. Accumulating more than 85 points in deductions drops your score to 764 (B+).
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IRS Delinquency Alerts
Instantly alerts lenders of Internal Revenue Service tax delinquencies and payment issues.
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Simplified Analysis
Easy to understand analysis of complex tax returns without needing prior expertise.
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Targeted Solutions
Provides solutions for qualified consumers needing credit who were previously rejected.
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Total Ability to Repay
Based on total taxable and non-taxable income, giving the full financial picture.
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Fraud Protection
Identifies identity theft and SSA abuse—traumatic life experiences that FICO often misses.
TRS vs. Traditional Credit Score
Feature | Credit Score | Tax Return Score |
|---|---|---|
Ability to Repay | Historical History | Monthly Cash Flow |
Fraud Signal | Reactive | Identity Theft Alerts |
Behavioral Flag | None | Gambling Problem Flags |
Focus | Borrowing Behavior | Verified Income Data |
Our Story
EZ DOC Corporation was founded by Randall C. Sorensen in November of 1995. The company develops intellectual software solutions for law offices, insurance companies, and mortgage lenders. In addition to being a CPA, he is Certified in Financial Forensics and has been licensed in Insurance, Real Estate, and Securities.
"While working at Coopers & Lybrand, I recognized the tremendous amount of information that can be gleaned from tax returns. While conducting a pilot for a client, I became aware that borrowers are brazen enough to use two sets of tax returns—one for the lender and the other for the IRS."
Tax Returns are game changers. This realization led to the development of TRS—a system designed to bring transparency and truth back to credit evaluation.
Contact Us For Any Questions
Start using Tax Return Score to qualify your consumers today.