Affordability Report

Supporting responsible lending through smarter decision making.

The driving force and guiding principle behind our Affordability Report is simple. It has been designed with lenders to provide a more detailed, clearer picture of a customer’s income and affordability, to help prevent unaffordable consumer lending.

As a pioneer and trusted provider in affordability solutions, TransUnion continues to innovate new bureau based and analytical affordability tools relevant both pre- and post-pandemic and also includes an option for you to use Buy Now Pay Later data* in your credit assessments, helping you , make more informed credit decisions to ensure good outcomes for your customers .

Affordability Report from TransUnion helps organisations to seamlessly process new applications while assessing their customers’ current financial situations. This helps determine affordability and income without the need for manual intervention. With increased regulatory attention, indebtedness levels remaining high and for many consumers suffering from an unprecedented squeeze on disposable income, a robust affordabilityassessment is an increasingly crucial aspect of credit management.

Our Affordability Report has been designed with this in mind, enabling organisations to consider consumers’ debt and expenditure and verify whether an applicant can afford credit. With this valuable information, you’ll be able to make more informed, responsible lending decisions.