Affordability Report | Credit Canary Connect

Overview

What is the Affordability Report?

The Affordability Report is TransUnion's dedicated affordability assessment product. It provides a clearer, more detailed picture of consumer income and affordability using Bureau Verified Income (BVI) methodology — combining credit file data with statistical models and new trended attributes to assess income stability, map committed expenditure, and evaluate debt stress across 3, 6, and 12-month windows.

Designed to support Consumer Duty and responsible lending obligations, it provides lenders with an evidenced, auditable affordability view at the point of application. RAG (Red-Amber-Green) status indicators deliver instant pass/fail signals across income shock, debt ratios, and affordability flags — for both sole and joint accounts. SHARE membership is required.

RAG

Status model

Red-Amber-Green indicators

<2s

Latency

Typical API response

CD

Compliance

Consumer Duty ready

Credit Canary Console — Affordability Assessment

Status Summary

2 Critical 1 Warning 1 Notice

OI Score

600

Debt Percentile

0%

Unsecured Debt

OK

Secured Debt

OK

Income Recovery: Sole income recovery indicator is RED

Joint Income Recovery: Joint income recovery indicator is RED

Income Value: Current 3-month BVI (sole) is RED — low income detected

Income Trend: 12-month BVI trend (sole) is RED

Income Shock — Sole Account

Latest Shock

Green ✓

Average Shock

N/A

Recovery

Red ✗

Coverage ICF

5

Income Value RAG (BVI)

Current BVI (3M)

Red

Last Month BVI (3M)

Red

Last Month BVI (12M)

Red

Comparison BVI (12M)

N/A

Income Shock — Joint Account

Latest Shock

Green ✓

Average Shock

N/A

Recovery

Red ✗

Coverage ICF

5

Income Value RAG (BVI)

Current BVI (3M)

Red

Last Month BVI (3M)

Red

Last Month BVI (12M)

Red

Comparison BVI (12M)

N/A

Debt Ratios — Sole Account

Total Debt (BVI 3M)green

Unsecured Debt (BVI 3M)green

Unsecured Payments (BVI 3M)green

Debt Ratios — Joint Account

Total Debt (BVI 3M)green

Unsecured Debt (BVI 3M)green

Unsecured Payments (BVI 3M)green

Income Values (BVI)

Sole Account

BVI 3 Month£2,500.00

BVI 6 Month£2,600.00

BVI 12 Month£2,550.00

Joint Account

BVI 3 Month£4,200.00

BVI 6 Month£4,100.00

BVI 12 Month£4,150.00

Debt Stress Indicators

Total Loans0

Total Mortgages0

Total Credit Cards0

Total Unsecured Debt£0.00

Debt Percentile Trend

Current0%

3 Months Ago0%

12 Months Ago0%

Affordability Indicators

Secured Debt AffordabilityOK

Unsecured Debt AffordabilityOK

Sample data — actual results will vary View full report in Console →

What's included

Data at your fingertips

Every search returns a structured response covering these data categories — with RAG indicators for instant decisioning.

Status Summary

OI Score & Debt Percentile
Secured / Unsecured debt status
Critical / Warning / Notice flags
Income recovery indicators

Income Shock Analysis

Latest & average shock indicators
Recovery status (sole & joint)
Coverage ICF score
BVI RAG metrics (3M / 12M)

Income Value RAG

Current BVI (3-month window)
Last month BVI (3M & 12M)
12-month BVI trend analysis
Sole & joint account breakdowns

Debt Ratios (BVI)

Total debt ratio (3/6/12 month)
Unsecured debt ratio
Unsecured payment ratios
Sole & joint account comparison

Debt Stress Indicators

Account holdings (loans, mortgages, cards)
Income / debt ratios
Recent account activity signals
Balance increase tracking (3M / 12M)

Debt & Affordability Summary

Debt percentile trend (current/3M/12M)
Secured debt affordability flag
Unsecured debt affordability flag
Historical comparison benchmarks

Pricing

Simple, transparent pricing

No hidden fees. Volume discounts available.

Checks start from

£1.25 /per search

ex VAT · Volume discounts available

Get a Quote

Why Credit Canary

Built for lending teams

Not just another data pipe. Credit Canary gives you the tools to act on the data, not just receive it.

API-First Integration

Clean, RESTful APIs with structured JSON responses. Integrate once and access all TransUnion products through a single endpoint. Full documentation and sandbox environment included.

Decisioning Ready

Feed responses directly into Credit Canary's decisioning engine. Build rules, scorecards and automated workflows that act on the data in real time — no manual processing needed.

Console Access

Run individual searches through the Credit Canary Console and view formatted summaries. Perfect for manual underwriting, compliance review, or when your team needs to pull a quick report.

Consumer Duty compliance — built in

The Affordability Report provides evidenced, auditable affordability assessments with full documentation trails. RAG status indicators and BVI methodology give you the data you need to demonstrate fair value and suitability under FCA Consumer Duty obligations.

Common questions

Frequently asked questions

Developer ready

Simple, clean API responses

Structured JSON you can parse, store and act on immediately. No XML. No SOAP. No surprises.

POST /v1/applications/assess
# Request an affordability assessment
curl -X POST  https://api.creditcanary.co.uk/v1/applications/assess \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
  "applicant": {
    "first_name": "Jane",
    "last_name": "Smith",
    "date_of_birth": "1990-03-15"
  },
  "product": {
    "type": "personal_loan",
    "amount": 15000,
    "term_months": 36
  },
  "consent": {
    "credit_check": true,
    "open_banking": true
  }
}'

Ready to connect?

Book a 30-minute demo and we'll walk you through the integrations that matter most for your business — standalone or combined.

Book a Demo Developer Docs