How the ServiceFax TrustScore Works

Read the score alongside the evidence

The report’s TrustScore, risk classification, and source-confidence information answer related but different questions. The TrustScore summarizes the applied risk rules. Source confidence describes support for a matched source; coverage describes which sources returned useful information.

A high score with incomplete coverage does not prove that missing records are clear. A low score is a reason to inspect the specific findings and verify them, rather than treating an automated label as a verdict about a business.

Which records can inform a report?

Depending on the report and available coverage, inputs can include Florida business registration, DBPR licensing and complaint records, Florida UCC financing statements, supported county civil or official records, and identity-matched Google or BBB information.

Sources differ by product and location. Website or social-profile discovery and video links can provide context; their presence is not a government credential. County searches are limited to supported and successfully checked sources, not a complete nationwide court search.

How the current score is calculated

The current report-generation policy starts with risk points, adds applicable indicators, and applies selected adjustments. Indicators include business status, licensing, complaints, financing filings, civil records, and conflicting evidence. Selected source-based components are weighted by source confidence: high 1.00, medium 0.85, and low 0.65.

The generated TrustScore is calculated as max(10, min(100, 100 − risk score)). The current risk score is itself bounded between 10 and 100, so newly generated scores under this policy fall between 10 and 90. The display retains a 0–100 scale for interpretation; 100 is not a promise or a target every report can reach.

Some serious indicators trigger a minimum risk level. These can include an explicitly suspended or revoked matched license, selected complaint-text indicators, or a matched BBB out-of-business indicator. A keyword-based flag is a review prompt, not a finding that an allegation is proven.

What the rules emphasize

UCC activity adds risk points based on the active filing count, with a component cap. Civil-record counts can also add points, with a cap. These rules are ServiceFax screening choices: a financing statement does not by itself prove default, and a court filing does not establish liability or distinguish the merits of every case.

The licensing rules distinguish current active, delinquent, expired, inactive, suspended, revoked, denied, null/void, and unknown statuses. A combined “Delinquent, Active” status is not treated as a current renewal or described as a suspension. The licensing point policy is internally versioned as draft; it is ServiceFax’s policy, not a DBPR rating.

The overall calculation includes count-based and keyword-based components. It is not a complete legal analysis or a statistically validated estimate of future losses. Read party role, dates, dispositions, and source documents before drawing conclusions.

How unavailable or uncertain information is handled

“Unable to Verify” means a source could not be reliably checked or matched. “No records found” is narrower: it refers to the search actually completed, within its scope. Neither statement means a nationwide clean record.

Identity-rejected source data is excluded from scoring. Unknown reputation identity is neutral for the composite reputation adjustment. Other gaps can still matter: when a state-required contractor license is not confirmed, the current policy can apply risk points. This is a failure to confirm authorization, not a definitive allegation of unlawful work.

An unavailable website or review profile does not establish that the business has none. Availability, name variations, source access, and identity matching can affect the result.

A simple interpretation example

Under the current conversion, a risk score of 40 produces a TrustScore of 60. That falls in the moderate-confidence display band. It does not mean a 60% chance of successful work. Read which indicators contributed and whether any sources were unavailable.

A matched revoked license can trigger a high-risk floor even when other information is positive. That explains why a strong online rating does not necessarily offset a licensing concern.

Dates, corrections, and policy changes

A report reflects the sources and retrieval state available when it was generated; cached records can be older. Review any source dates and report date, and confirm important licensing or coverage details again before signing.

This page describes the report-generation logic reviewed on November 9, 2026. Existing saved reports are snapshots and may reflect an earlier policy. To question a record, contact ServiceFax with the report identifier, disputed item, and authoritative supporting link. Do not send unnecessary sensitive information.