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.
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.
Fintech Innovator of the Year
Best Technology Provider
CCS Awards, 2019
Best Use of Technology
IAFN Awards, 2019
Innovation of the Year
Consumer Credit Awards, 2019
Machine Learning in Credit & Collections Solution
Credit & Collections, 2019
Affordable Credit Challenge
Best New Innovation In Driving Frictionless Digital Financial Distribution
Credit & Collections Technology Powerlist
Credit Connect, 2019
Tech Nation Fintech Programme
Tech Nation, 2019
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.
Credit Kudos took home the ‘Fintech Innovator of the Year’ award at Techworld’s 2019 techies awards, presented by Techworld Group Editor, Scott Carey.
Using Open Banking data, the newly introduced Liquidity Score predicts how liquid an individual will be in the future, i.e. the likelihood an individual will remain above £0 or above their unarranged overdraft across all bank accounts.
ClearScore has selected Credit Kudos to develop its new open banking powered eligibility solution for products including mortgages, credit cards, and loans.