Evidence in. Verified truth out.
The HOD Score™ is a proprietary credibility rating from 300 to 850 that measures the verified trustworthiness of every person and business. Scores update in real time as new reportings are submitted and verified records are added, modified, or confirmed. There is no fixed refresh cycle.
Getting your own HOD Score
Every new HOD Score is created after identity verification. Until your identity is verified, no report can be generated against it.
Real-time. Evidence-backed. Manually verified.
Evidence or it doesn't count
Every HOD Score and every report is built exclusively on verified, real-time reports, evidence, and publicly available findings. Nothing unverified, speculative, misleading, or unsupported ever publishes or moves a score.
Manually reviewed by Back Office
Every submission goes through Hub or Dub's dedicated Back Office verification team before it is published or influences a HOD Score. Human review, backed by evidence, on every single finding.
Continuous, not scheduled
Unlike traditional platforms that recalculate on a fixed schedule, HOD Scores update the moment newly verified evidence is confirmed. Scores may rise or fall in real time as the truth changes.
One profile, worldwide
Every person and every business gets one permanent HOD profile globally, matched in real time by SSN, FEIN, or national ID equivalent. Identifiers are salted, SHA-256 hashed, and AES-256 encrypted at rest. No duplicates. No forks. One source of truth for identity and reputation.
How scores go up
A consistent, verified history of trustworthy conduct, credible evidence, positive real-world experiences, and no substantiated negative findings. Time alone, inactivity, or isolated positive reports do not lift a score.
How scores go down
Verified negative reports backed by evidence may lower a HOD Score and remain reflected in it until sufficient verified positive conduct and findings demonstrate meaningful improvement over time.
This real-time verification model is fundamental to Hub or Dub and is reflected throughout every feature, workflow, dashboard, algorithm, and report on the platform. Every HOD Score is transparent, evidence-based, continuously updated, manually verified, and representative of the most accurate and reliable information available at any given moment.
The 300 → 850 scale
Higher = more verified credibilitySame range. Different intelligence.
HOD Score™ vs traditional credit scoreThe old way scored you once. HOD scores you now.
One snapshot from a decade ago cannot capture who you are today. Drag through time and watch the frozen file give way to a living, cited, real-time HOD Score.
One number. One dimension.
Built to predict whether you'll pay back a loan. Nothing else.
- Refreshes every 30 to 45 days
- 3 bureaus, thin files punished
- Blind to fraud, conduct, community trust
- Same math since 1989
Decisions in seconds, not weeks.
Verified signal sources per report.
Countries covered from day one.
Every finding cited and auditable.
Toggle findings. The score responds instantly.
Only Back-Office-verified findings ever touch a score. Anonymous opinions and unverified claims never do. This is the real recomputation logic.
Baseline is 720. Verified positives raise it. Verified risks lower it. Scores clamp between 300 and 850.
Six categories. Thousands of weighted signals.
Each pillar contributes verified evidence to the score. Every contribution is authenticated, weighted, and cross-checked before it can move a single point.
Identity Trust
Government-issued ID, biometric and liveness verification, address, phone, email, business registration, ownership, licensing, tax, and domain verification.
Public Record Integrity
Court records, criminal convictions, civil judgments, bankruptcies, tax liens, regulatory enforcement, sanctions, and verified public findings.
Behavioral Reputation
Verified complaints, commendations, dispute outcomes, policy compliance, response times, resolution rates, and long-term behavioral patterns.
Transaction Reliability
Verified payments, fulfilled contracts, invoices, deliveries, refunds, chargebacks, escrow outcomes, and completion history.
Community Verification
Identity-verified reports backed by authenticated evidence: receipts, contracts, photos, videos, communications, timestamps, metadata, and witnesses.
Network Confidence
Verified relationships with employers, employees, clients, vendors, partners, organizations, certifications, and professional affiliations.
From raw evidence to a locked, auditable score
Every HOD Score is the output of a five-stage pipeline that never sleeps. New verified evidence enters, propagates through the trust engine, and updates scores in real time.
Authenticated public records, verified submissions, and connected systems stream in continuously.
Identity, document, biometric, metadata, device, and geolocation checks authenticate every input.
Weighted trust engine synthesizes evidence into a HOD Score between 300 and 850.
Every event is cryptographically timestamped and preserved in an immutable audit trail.
The engine re-scores in real time as new verified evidence enters the system.
Proprietary trust weighting
Every data source is assigned a proprietary trust weight based on source reliability, legal authority, evidence quality, severity, frequency, recency, historical consistency, and independent corroboration. Older events gradually decrease in influence as sustained positive behavior is demonstrated.
14-layer authentication stack
Before affecting a score, every submission passes multiple independent layers of authentication. A failure at any layer stops the signal at the door.
What never moves a HOD Score
These signals receive no scoring value, or are penalized aggressively when detected. Manipulation attempts are permanently logged and can suppress a score below its baseline.
Continuous real-time updates
Once released, a score cannot be edited, challenged, voted on, or purchased away. Scores update the moment newly verified reports, evidence, and public findings are confirmed by Back Office, no fixed schedule, no waiting cycle.
Cryptographic audit trail
Every verified event is cryptographically timestamped and permanently preserved, giving each score a complete, reviewable evidence chain.
Guardrails & limits
- · Not a consumer report under the FCRA.
- · Findings deduplicated and source-capped.
- · Independent human review on edge cases.
- · Available in the Globally accessible.
Transparent. Nationally standardized. Impossible to fake.
An evidence-driven measure of credibility, reliability, and eligibility for every person and business - engineered to resist fabrication, bias, artificial inflation, and coordinated attacks.