TU Affordability | Credit Canary Connect

Overview

What is Affordability?

TU Affordability is TransUnion's dedicated affordability assessment product. It uses credit file data combined with statistical models and ONS benchmarks to estimate income, map committed expenditure, and calculate disposable income — without requiring bank statements or payslips.

It's designed to support Consumer Duty and responsible lending obligations, giving lenders an evidenced, auditable affordability view at the point of application. Ideal as a first-pass assessment to reduce friction and drop-off. SHARE membership is required.

ONS+

Income model

Statistical + credit data

<2s

Latency

Typical API response

CD

Compliance

Consumer Duty ready

What's included

Data at your fingertips

Every search returns a structured JSON response covering these data categories.

Income Estimation

Estimated gross income
Estimated net income
Income confidence band
Income estimation method
Employment indicators

Committed Expenditure

Total committed outgoings
Mortgage/rent payments
Loan repayments
Credit card minimum payments
Other regular commitments

Living Costs (ONS)

Essential living costs (ONS benchmark)
Household expenditure estimate
Council tax band estimate
Regional cost adjustments

Disposable Income

Calculated disposable income
Disposable income confidence level
Surplus/deficit indicator

Debt Service Metrics

Debt-to-income ratio
Total debt service ratio
Credit commitment ratio
Unsecured debt burden

Affordability Indicators

Affordability risk flag
Vulnerability indicators
Over-indebtedness signals
Consumer Duty compliance markers

Pricing

Transparent, volume-based pricing

Simple per-search pricing that gets cheaper the more you use. No hidden fees.

Starting from

£1.25 /per search

ex VAT · Volume discounts available

Volume Discounts

Higher volumes = lower unit cost. We'll quote based on your expected usage.

Setup Fee

One-time setup fee covers integration, testing and go-live support.

Ongoing Management

Includes platform access, support and monitoring. Minimums apply.

We guarantee to beat your current price

Switch to Credit Canary and pay less for the same TransUnion data — or we'll match it. Get in touch for a no-obligation quote.

All prices ex VAT. Minimums apply. Contact us for a tailored 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.

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.

{
  "product": "tu_affordability",
  "reference": "AF-2026-04-001",
  "status": "completed",
  "income": {
    "estimated_gross": 42000,
    "estimated_net": 32400,
    "confidence": "high",
    "method": "credit_data_model"
  },
  "expenditure": {
    "committed": 1280,
    "living_costs_ons": 1450,
    "total_monthly": 2730
  },
  "affordability": {
    "disposable_monthly": 970,
    "dti_ratio": 0.32,
    "risk_flag": false
  }
}

Get a quote

Tell us about your volumes and we'll come back with pricing that beats your current deal.

TransUnion Affordability