Consumer Indebtedness Index (CII)

Enabling responsible lending

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What can it do for me?

The CII was created in accordance with the Government's stated objective of reducing the level of consumer over-indebtedness in the UK.

How can we help you?

The CII identifies individuals that are currently showing no obvious signs of repayment difficulties but who are already highly committed and, as a result, carry a high probability of experiencing payment difficulties in the near future.

Using existing bureau data, the CII automatically measures the level of indebtedness of consumers without relying on detailed knowledge of their monthly disposable income.

A few key facts

  • Improve customer management.
  • Assign accurate credit limits and interest rates.
  • Increase the power of scoring models.

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