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TrueML is a financial technology company that revolutionizes the experience of consumers seeking financial health.

Our Team: Comprised of data scientists, experienced financial service executives, and customer-obsessed technologists. We are passionate about building technology that recognizes and caters to the unique needs and preferences of individuals.
Our Mission: Ensuring nobody gets locked out of the financial system.

In 2015, TrueML was inspired by our founder's personal experience. Oliver Samuels faced persistent collectors over a minor store credit card oversight. This experience, combined with his expertise from launching two venture-backed entities, fueled his determination to reimagine the debt collection process.

Today, TrueML stands as a market leader. With over a hundred clients, including major traditional financial services and leading fintechs, we serve as the holding company for subsidiaries dedicated to adding value daily for their clients and engaging with tens of millions of consumers annually.

Market Opportunity

The financial landscape reveals that 63% of Americans live paycheck to paycheck, grappling with rising inflation and stagnant wages. Annually, about 77M U.S. consumers face collections. Many aim to restore their credit, but delinquency drags their scores down, limits credit access, and subjects them to relentless and outdated collection methods.

TrueML's Solution: We've transformed the collection experience with a machine learning-driven, digital-first approach. By pinpointing the optimal time, channel, and message, we've shifted the industry perspective to prioritize consumers. This empowers individuals to manage and settle their financial obligations on their terms.

The evolving consumer protection laws and changing preferences signal a bright opportunity for TrueML. Traditional players, burdened by years of margin compression, are on the brink of obsolescence. Their models lack scalability. In contrast, TrueML is poised and prepared to leverage this pivotal market transition.

Credit is the backbone of our economy. Businesses will always offer credit, and some consumers will face challenges repaying it. TrueML designs products that bridge the gap, ensuring mutual benefits. Over the past decade, we've consistently demonstrated that flexible and accessible payment options yield superior outcomes for both consumers and businesses.

Our Journey: We're only beginning.

Note: To maintain confidentiality, real names and the company's true identity have been omitted from this post, as the search is being conducted discreetly.