Product

Household Combined Credit Report

Assess the credit capacity of the borrowers with an aggregated household view of income, borrowings, monthly obligations
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Product Overview

Household Combined Credit report is an Equifax proprietary solution that allows you to pull a consolidated Combined Credit (Retail + Microfinance) report for a household - applicant and upto 5 household members via a single enquiry. The report consists of a summary of the credit exposure of each member of the household allowing for a concise view of reported incomes, exposures and default indicators. 

Streamline credit decisioning journey

Previously, lenders could only view the reported income and aggregated equated monthly installments (EMI) obligations of individuals. To make assessments at the household level, lenders needed to pull multiple reports for each household member and aggregate them to understand the household position. With this product, the manual process faced by lenders on a day-to-day basis is addressed, providing a holistic solution to aid Microfinance credit decisioning.
 

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