As a long‑standing innovator in affordability intelligence, TransUnion® continues to evolve the tools lenders rely on to make confident, well-informed decisions. Our affordability solutions — built on bureau insights, advanced analytics and advanced machine learning techniques — empower lenders to create a more accurate and holistic understanding of each customer’s financial situation.

Affordability Report enhances how lenders assess customers’ income and repayment capacities, strengthening responsible lending decisions. It helps businesses manage portfolio risk and optimise performance and budgets through automation and faster, better-informed assessments that support new lending. This approach also reinforces brand equity, builds trust and fortifies relationships with existing and new customers.

With regulatory expectations rising, household budgets under pressure and financial vulnerability increasing, robust affordability checks have never been more important. Affordability Report enables lenders to spot emerging signs of strain earlier and make more appropriate decisions that support sustainable outcomes and better customer experiences.

Product highlights

Designed for new consumer lending applications and the optimised management of customer accounts throughout their lifecycles, Affordability Report now brings together trended attributes, advanced scores and our new Modelled Income solution to help lenders make smarter, well-balanced decisions. It can be implemented alongside TrueVision® trended data and Bud Open Banking solutions* for an integrated creditworthiness toolkit — or used as a powerful standalone platform.

Streamline your customer journeys

Verify consumer incomes without disrupting onboarding or creating unnecessary friction. Our Modelled Income solution delivers confident income estimates when CATO or application salary data is limited or unavailable, enabling proportional affordability checks and helping lenders to efficiently onboard and manage accounts at scale.

Identify financial vulnerabilities

Identify existing affordability and indebtedness challenges sooner helping protect consumers who may be at risk of future financial stress to ensure fair outcomes for all and support your FCA consumer duty obligations.

Make more informed decisions

Accurately assess affordable monthly payment levels with a reliable proxy for income and affordability risk, powered by both reported and trended insights.

Build Trust and Relationships

Provide the most appropriate and affordable products to consumers, building trust and lasting relationships from more actionable and clear affordability views.

Harness valuable BNPL insights

Get additional indicators based on a customer’s buy now, pay later activity to build a more holistic affordability view.

Leverage trended data variables

A 12-month view across key attributes offers insights into an individual's future potential affordability tranjectory based on past behaviour.

Enhancing Affordability Report to improve customer insights

Trended Affordability is the latest product advancement in the trended data space and is a UK market first. The big data solution enables a new approach to assessing the creditworthiness and affordability of existing and potential customers.

We now include an option for clients to integrate Buy Now Pay Later (BNPL) data into affordability assessments (via an API), helping you enhance transparency and make more informed affordability decisions based on real understandings — ensuring consumer fairness each step of the way.

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Dependable income estimates when salary data limited, enabling streamlined affordability decisions.

Credit risk teams need fast, reliable income insight when traditional data is missing or inconsistent. Our Modelled Income solution estimates net monthly income using confidence threshold based modelling— to enable proportional affordability checks. Independent of CATO or declared salaries, it streamlines onboarding and enhances account management, giving lenders a clearer, dependable proxy to assess affordability decisions with certainty.

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Affordability Report

Support responsible lending through smarter decision-making