Affordability

Helping Consumers to Make Responsible Credit Choices

Helping consumers make good credit choices is a win-win. It starts with education and it ends with insight, systems and processes that match the right products and services with the right customers...

Blog - Jan 2016
Affordability: An approach that pre-qualifies customers is better for everyone

Aligning expectations with reality through pre-qualification can help you to avoid the kind of mismatch that sits behind a lot of human disappointment. How much better will customers feel about the...

Blog - Nov 2015
Smooth the Journey to Car Ownership with Clear Directions

Buying a car can be a minefield, and by helping customers to understand the benefits of preparing a workable budget and validating their finances ahead of time, it will go a long way to securing a...

Blog - Sep 2015
New industry body will highlight the cost of fraud in…

The government’s fraud cost estimate set to be revived. UK’s only indicator on the total cost of fraud to be launched this...

Blog - Jul 2015
Current accounts become number one fraud target

Current account fraud has now surpassed mortgage application fraud, which until now had been the biggest target - 83 out of every 10,000...

Blog - Jul 2015
Plug into our interactive fraud data

There's a world of information available at your fingertips. Simply click on the links for a first-hand...

Blog - Jun 2015
Ensuring that affordability assessments are never a road block to…

If affordability assessments are not yet compulsory in the automotive industry, then why do them? The fact is that such assessments have been shown to provide major benefits for both companies and...

Blog - May 2015
How automotive finance providers can put customers first with affordability…

Affordability assessments are not yet compulsory in the automotive industry, like they are for other forms of credit; at least for now. That means you can decide exactly who to lend to, and on what...

Blog - Apr 2015
Neutralise hidden risks in your mortgage book

By putting data at the heart of their decisions, mortgage providers can be confident that they are making responsible lending decisions and protecting the people they are lending to, while at the...

Blog - Jan 2015
The Mortgage Market review: Six months on…

It’s now six months since the new lending rules came into force. So has the Mortgage Market Review (MMR) contributed to a more sustainable market that serves the needs of customers better or has it...

Blog - Dec 2014
Personal insolvencies fall to pre-recession levels but who is still…

New figures published by Experian, illustrating where and for whom UK personal insolvencies are most prevalent, reveal the number of people being declared insolvent has fallen to pre-recession...

Blog - Dec 2014
Homeowners face affordability squeeze when rates rise

The affordability of mortgage repayments is once again under the spotlight following recent comments by the Governor of the Bank of England that “gradual and limited” increases in interest rates...

Blog - Jul 2014