Credit scoring · FCA regulated (CRA)

Fair credit scores, from live bank data.

Fair, consistent and predictive scores for the subprime sector, built from a consumer’s latest bank data rather than information held on file.

Use on its ownAdds to the Slick Automated Lending Platform (ALP)

Book a demo / Contact us How it works

Credit risk analysis with Affordwise

Credit scores built on up-to-date financial activity.

Fair, consistent and predictive scores for the subprime sector, which now encompasses around 30% of consumers. Scores come from a consumer’s latest financial banking information, and unlike many credit reference agencies, we do not retain your consumer’s information on file.

Our scoresDesigned for the subprime market, offering fair, up-to-date evaluations of credit status and valuable insights into default risk.

A focus on qualityHighly targeted and efficient. We avoid building massive consumer data vaults, so you can score every consumer without stretching your budget.

RegulatedWe are a regulated Consumer Credit Agency, with FCA permission for credit scoring, so we can assess your consumer’s credit worthiness.

Here to shareAs a fully regulated CRA, we can securely share your consumer credit information with other credit reference agencies, only when you choose to do so.

Loans/CustomerAlex Morgan/Affordwise#AW20931 Updated today, 09:14

GoodAffordable

Based on 6 months of bank data

Key factors

Regular incomeSalary paid monthly, 6 of 6 months
Bills paid on timeNo missed or returned payments
No gambling transactionsNone in the last 6 months
Overdraft used2 days in the last 90 days

Income and expenditure

Monthly income£2,840

Essential spending£1,750

Other spending£450

Left after bills£640

Affordable repaymentup to £320 / month

Your choice

Use Affordwise on its own, or as part of the Slick Automated Lending Platform (ALP).

Score customers inside your existing journey, or let the platform do it for you as part of every decision.

On its own

Score customers in your own systems.

Request scores through our API and use them in your existing decision process.
Score every consumer without stretching your budget.
Securely share credit information with other credit reference agencies, only when you choose.

With the Slick Automated Lending Platform (ALP)

Scores in every decision.

Affordwise scores appear in the loan record, next to the bank data they came from.
Our decision engine uses the score alongside your own lending criteria.
DataFlex bank data feeds the score automatically.

Explore the Slick Automated Lending Platform (ALP)

Authorised and trusted

Regulated where it matters.

We hold our own permissions, so you don’t need a separate open banking provider. We are authorised by the FCA under the payment service regulations and consumer credit act to carry out the following regulated activities:

AISP Open Banking Data and Categorisation Access to a consumer’s bank account information and the authority to provide this with consent to a third party

PISP Pay by Bank Permission to initiate a payment from or to a consumer from another party.

CRA Credit Scoring Permission to create and distribute a consumer credit score for the purpose of obtaining credit or debt advice.

CISP Credit Information Services Authority to access third party credit reference information and use this to determine the financial standing of a customer.

Hope Macy Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution (Firm Reference Number 934392) and regulated as a consumer credit firm (Firm Reference Number 962292).

FAQs

Your questions about Affordwise, answered.

The questions lenders ask us most about credit scoring.

Ask us something else

Are you an authorised consumer credit reference agency?

Yes. Hope Macy is authorised and regulated by the Financial Conduct Authority as a consumer credit firm (Firm Reference Number 962292), with permission to act as a credit reference agency. This means we can create and distribute consumer credit scores, and securely share consumer credit information with other credit reference agencies, only when you choose to.

What is Affordwise?

Affordwise is our credit scoring service. It produces fair, consistent and predictive credit scores for the subprime sector, built from a consumer’s most up-to-date financial activity.

How does Affordwise use bank data?

Affordwise scores applicants using their real, up-to-date bank data. Transactions are categorised into a clear income and expenditure picture, so you can see whether a loan is affordable before you lend.

Do you keep consumer data on file?

No. Unlike many credit reference agencies, we do not retain your consumer’s information on file.

Do you market consumer credit information?

No. Unlike many credit reference agencies, we don’t market or resell your consumer data.

Do we need to use the Slick Automated Lending Platform (ALP)?

No. Affordwise works on its own alongside your existing systems, or can be added to the Slick Automated Lending Platform (ALP).

See Affordwise in action.

Book a demo and we’ll show you how scores are built from live bank data.

Book a demo / Contact us

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