Examine and assess with confidence your customers' ability to service existing and proposed new credit with Callcredit's Affordability Suite.

A powerful tool in the responsible lending armoury, our Affordability Suite enables you to base your customer management decisions on a view of over-indebtedness rather than simply assessing your customer's history.

Unique to the marketplace, access to our income data will give you the complete picture of your customers.

For customers who have a high debt to income ratio we have developed a suite of indicators and scores:

Unsecured Affordability Indicator - highlights individuals with an unsecured debt to income ratio of 20:1 or higher.

Secured Affordability Indicator - highlights individuals with repayments on secured lending taking up to 80% or more of their income.

Over-Indebtedness Score - predicts the probability of an individual becoming over-indebted then defaulting.

The Affordability Check - on-line delivery system for the Unsecured Affordability Indicator. In addition, it will give an indication of salary accuracy, summary bureau and single customer view.

GeoDebt is a powerful and unique postcode level segmentation tool that gives you an informed assessment on the ability to repay.

The index blends outgoing commitments together with affluence, economic and lifestyle characteristics. The data is then modelled to postcode level and delivered as a postcode index ranging from 1-100. The most over-indebted postcode areas are represented by a low index, with the least indebted people being at the top of the index.