We believe a more holistic approach to vulnerability offers a powerful opportunity to improve customer outcomes, nullify the impact of a changing macroeconomic landscape, and support regulatory compliance.

Download our study - Deciphering Consumer Vulnerability with Enhanced Data Insights – to find out how TransUnion is shaping the conversation around consumer vulnerability, and unlock key insights from a deep dive into our datasets, including:

A third (31%) of UK adults have at least one indicator of financial vulnerability; specifically, 11% of UK adults are experiencing financial distress.
The existence of a vulnerability or a distress indicator is not standalone evidence of active distress, nor is it a good reason to action a specific judgement on that person.
Financial harm was evident with consumers being excluded from non-essential credit products, which suggests services are currently not designed or provided to consumers who want them.

In the coming months we’ll be launching a number of initiatives designed to help businesses better identify customers who exhibit characteristics of vulnerability, and predict where these vulnerabilities are likely to result in future harm – watch this space.

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©2026 TransUnion Information Group Limited. All rights reserved. Registered in England and Wales with company number 04968328. Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP. TransUnion International UK Limited, part of the TransUnion Information Group, is authorised and regulated by the Financial Conduct Authority under registration number 737740. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. TransUnion International UK Limited is a credit broker and not a lender. TransUnion Information Group Limited and its subsidiaries utilise the TransUnion name under licence from TransUnion LLC.

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