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About us

Traditional credit scoring is broken.

We're here to fix it.

How it all began

After working in the US for a number of years, Freddy returned to the UK. Having had no recent financial activity in the UK, he had a ‘thin’ credit file. This not only meant that he had limited credit options, but those that were available to him came with higher interest rates and restrictions.

After further research it became apparent that he was not alone and that many people in the UK face difficulties when trying to get access to affordable credit.

With a vision to remove that challenge from the market, Freddy and Matt founded Credit Kudos. Since then, the team at Credit Kudos have been on a mission to provide fair credit for all, harnessing the power of Open Banking.

Transforming credit scoring

Our mission is to transform the credit scoring system to provide fairer credit for all; helping people access responsible finance they can afford, when they need it.


  • Winner

    Fintech Innovator of the Year

    TechWorld, 2019

  • Winner

    Best Technology Provider

    CCS Awards, 2019

  • Winner

    Best Use of Technology

    IAFN Awards, 2019

  • Finalist

    Innovation of the Year

    Consumer Credit Awards, 2019

  • Winner

    Machine Learning in Credit & Collections Solution

    Credit & Collections, 2019

  • Finalist

    Affordable Credit Challenge

    Nesta, 2019

  • Finalist

    Best New Innovation In Driving Frictionless Digital Financial Distribution

    FDATA, 2019

  • Winner

    Credit & Collections Technology Powerlist

    Credit Connect, 2019

  • Winner

    Tech Nation Fintech Programme

    Tech Nation, 2019

Who we are

We’re a venture capital backed, fast-growing technology company on a mission to build a more inclusive financial system from our home in east London.

Our partners and supporters

  • HM Government logo
  • Capital One logo
  • CCTA logo
  • Fair by Design logo
  • Nesta logo

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