## Overview

The Atto User Report provides a consolidated financial profile of an end user by combining insights derived from Open Banking transaction data and, optionally, credit bureau information. This PDF report is available for download from the Atto Dashboard or can be fetched via the API.

The report is designed to support a wide range of use cases including:

- Affordability assessments
- Risk evaluation
- User financial profiling
- Income and expenditure analysis
- Lending decision support
- Tenant or customer verification
- Financial health assessments


## Key features

#### Open Banking Powered Insights

Using Open Banking transaction data, the report can provide:

- Income analysis
- Spending categorisation
- Recurring payment detection
- Cash flow insights
- Affordability indicators
- Account balance trends
- Financial behaviour analysis


This allows organisations to generate meaningful financial reports without requiring traditional credit bureau data.

#### Optional Credit Information Enrichment

When **Credit Information services** are enabled, the report is enriched with data sourced from the TransUnion Credit Report.

Additional credit-related sections include:

- Overdraft usage
- Overdue payments
- Settled accounts
- Rectified accounts
- Account rollovers
- Court Judgements (CCJs)
- Insolvencies
- Bankruptcy records
- Defaults
- CIFAS fraud markers


These indicators help provide a broader understanding of the user's credit behaviour and financial risk profile.

#### Full Credit Account Overview

A consolidated overview of active and historical credit products, including:

- Personal loans
- Credit cards
- Mortgages
- BNPL loans
- Other regulated credit facilities


Each account may include metadata such as:

- Outstanding balances
- Credit limits
- Repayment status
- Account age
- Payment history


## Configurability

The Atto User Report is fully configurable and can be tailored to match specific business requirements.

#### Report Customisation Options

Clients can customise:

- Included report sections
- Data visibility rules
- Affordability calculations
- Spending category mappings
- Credit information inclusion


This flexibility allows organisations to create reports suitable for different industries, compliance requirements, and user journeys.

Examples include:

- Lender-specific affordability reports
- Tenant referencing reports
- Simplified customer financial summaries
- Internal underwriting reports
- Compliance-focused audit reports


## API Automation

The Atto User Report can be generated and fetched automatically via API, enabling seamless integration into digital onboarding and decisioning flows.

[Get User Report](https://docs.atto.co/content/apis/get-user-report)

## Use Cases

The report can be integrated into:

- Lending platforms
- Mortgage journeys
- Tenant screening systems
- Financial wellness applications
- Insurance underwriting flows
- Internal CRM or case management systems
- Compliance and fraud review processes