Exclusion from financial-services blights the lives of millions in the UK. It damages the UK economy: creating financial-insecurity, stunting entrepreneurism, increasing unemployment, social security and healthcare costs. Lack of a credit-rating is a key barrier to financial-inclusion. Overcoming this problem would help users to access lower-cost, more affordable, loans and other financial services. TrustScore provides an opportunity to address this through recording users' trustworthiness, reflected in their participation in saving-circles. TrustScore's benefits are for all UK users of saving-circles.