assess your customers' ability to pay

Keep your business practices in alignment with the Credit CARD Act of 2009

Introducing Experian's Ability to Pay Product Suite

Recent legislation expands lenders' “ability to pay” requirements, compelling greater diligence in validating borrowers’ income and credit capacity. Experian’s Ability to Pay Product Suite can help you gain greater insight into your customer’s complete financial picture and overall repayment ability leading to more profitable decisions.

Income Estimation

Instantly access an estimation of a customer’s income to support compliance with new lending requirements. With Experian’s Income InsightSM income estimation models you can improve your account-acquisition segmentation, strengthen your risk management processes and optimize your recovery strategies.    

Debt Obligations

Determine the debt-to-income ratios of customers and make better lending and risk management decisions. Experian’s Debt-to-Income InsightSM provides an all-in-one assessment of creditworthiness to improve your ability to identify which customers are at or exceeding their credit capacity.

Income Verification

Quickly and easily verify a taxpayer’s income and assets, and compare customer provided information with income tax data reported by the IRS. Our Income ViewSM web-based income verification system allows you to streamline your 4506-T processing and gain prompt access to a customer’s verified income.

  • © 2014 Experian Information Solutions, Inc. All rights reserved.