Any way to fix an iPhone's Trust Score?

[davidg4781]

I did a backup and restore of my iPhone 11 Pro a few weeks ago. Once it was back up, I wasn't able to add my Wells Fargo, Credit Union and a couple of other cars to my account. One of them is sending me a new card with the hopes that works but it looks like their virtual card will work for me (helps to fund Apple Cash).

Today, Wells Fargo completed their investigation and said my device's Trust Score is 01. There's a list of causes on Apple's legal site but the only one that looks like I may have violated is attempting to add a card too many times. Wells Fargo says I have several attempts and I need to cancel them but I'm not given that option. Wells Fargo said this score will stay with the device even if I sell it to someone else. They also said I will be able to add my card to my MacBook and Apple Watch but not my iPhone. Today, it was removed from Apple Watch by either Wells Fargo, Apple, or Visa (email came from Wells Fargo).

So does anyone have any insight into all this? I looked online and there were a few posts that were years old. I also tried posting on Reddit and my post was removed because it's a "repetitive question" that "the community never really answers".

 

[aihpcfl]

BLUF: I don't know what you can do except wait it out.

Details:

I was curious and did a search. So, it seems this is something Apple computes, there are a number of imputs, but the score can be improved over time, though Apple doesn't give details.

FWIW here is cut and paste from Copilot chat:

Re inputs:

Sure! The device trust score is a feature Apple introduced with iOS 12 to help identify and prevent fraud. When you make a purchase on the iTunes or App Store, Apple uses information about how you use your device, such as the approximate number of phone calls or emails you send and receive, to compute a trust score1. This score helps Apple distinguish between legitimate and fraudulent transactions. Importantly, the data used to calculate the trust score is stored on your device and encrypted when sent to Apple, ensuring your privacy1.

Re improvement over time:

Yes, the trust score on your iPhone can improve over time. While Apple doesn't provide specific details on how to boost your trust score, maintaining normal, consistent usage patterns on your device can help. Here are a few tips that might contribute:

1. Regular Use: Frequently use your iPhone for calls, emails, texts, and other normal activities. This consistent behavior helps establish a trustworthy pattern.
2. Keep Software Updated: Ensure your device is always running the latest iOS version. Regular updates can include security improvements that contribute to overall trust.
3. Verify Information: Make sure your Apple ID information is accurate and verified, including your email and phone number.
4. Secure Your Device: Use secure methods to lock your phone, like Face ID, Touch ID, or a strong passcode. Also, avoid installing unverified or suspicious apps.
5. Consistent Behavior: Avoid actions that might look suspicious, such as frequently changing your payment methods or making an unusual number of purchases in a short period.

While the trust score is just one of many factors Apple uses to safeguard transactions, these tips can help ensure your device usage reflects consistent and secure behavior.