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About us

Transforming the credit scoring system.

Credit Kudos founders Matt and Freddy

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 co-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.


  • Photo of Freddy Kelly

    Freddy Kelly


  • Photo of Kelly Read-Parish

    Kelly Read-Parish


  • Photo of Angus Clacher

    Angus Clacher

    Head of Product

  • Photo of David Fletcher

    David Fletcher

    Head of Commercial

  • Photo of Amy Gudgeon

    Amy Gudgeon

    Finance Director

  • Photo of Phoebe Allen

    Phoebe Allen

    Head of Marketing

  • Photo of Rachel Fairhurst

    Rachel Fairhurst

    Head of Implementation and Pre Sales

  • Photo of Adam Nicholls

    Adam Nicholls

    Head of Engineering

  • Photo of Ben Wolski

    Ben Wolski

    Head of Customer Success


  • Winner

    Best Credit Information Partner

    Credit Strategy Lending Awards 2020

  • Winner

    Best Technology Provider

    Credit Strategy Credit Awards 2020

  • Winner

    Credit Information Partner of the Year

    Consumer Credit Awards 2020

  • Winner

    Innovation of the Year

    Consumer Credit Awards 2020

  • Winner

    Best Machine Learning in Credit & Collections

    Credit Connect Credit & Collections Technology Awards 2020

  • Winner

    London's Top 50 Startups

    Tempo 2020

  • Winner

    Best Risk and Fraud Solution

    Credit Excellence Awards CCR 2020

  • Winner

    The Power List 20

    Credit Connect 2020

  • Winner

    Affordable Credit Challenge

    Nesta Challenges 2020

  • Winner

    The Fintech50 2020

    FintechCity 2020

  • Winner

    Top 100 FinTech Disruptors for 2020

    BusinessCloud 2020

  • Winner

    Fintech Startups to Watch

    Computerworld 2020

Our partners and supporters

  • HM Government logo
  • Entrepreneur First logo
  • Capital One logo
  • NFT Ventures logo
  • FDATA logo
  • CCTA logo
  • Fair by Design logo
  • Nesta logo

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