Grow your portfolio with a better view of consumer capacity

Traditional credit scores indicate the likelihood of repayment but not how much new debt a consumer can realistically manage. Equifax’s Consumer Affordability View fills that gap by providing insight into a consumer’s additional debt repayment capacity, helping lenders make more confident, responsible lending decisions.

Consumer Affordability View delivers a rank‑ordered affordability measure paired with dollar‑based monthly repayment estimates for both installment and revolving credit. When used alongside a traditional credit risk score, it adds critical context—helping differentiate borrowers within the same score band, identify over‑leveraged consumers, and uncover applicants with the capacity to take on more credit.

You can apply Consumer Affordability View across the credit lifecycle to:

• Enhance prescreen and marketing segmentation by targeting consumers with the capacity to afford new credit.
  
• Strengthen origination decisions by setting more appropriate approval terms, loan amounts, and credit lines.
  
• Improve portfolio and account management through smarter line increases, freezes, or risk mitigation actions.
  
• Safely expand the addressable market by approving overlooked applicants without increasing risk.

Let’s connect and discuss how you can use Consumer Affordability View to enhance and optimize your decisioning!