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About us

Transforming the credit scoring system.

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.

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.



Customer Success

Engineering & Research

Finance & Compliance

Product, UX & Design

Sales & Marketing

And Lulu.


  • Freddy Kelly


  • Kelly Read-Parish


  • Angus Clacher

    Head of Product

  • David Fletcher

    Head of Commercial

  • Amy Gudgeon

    Finance Director

  • Phoebe Allen

    Head of Marketing

  • Rachel Fairhurst

    Head of Customer Success

  • Adam Nicholls

    Head of Engineering


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

Latest from the blog

  • The Woolard Review and the Future of BNPL

  • Credit Summit: Open Banking is powering next-generation tools for lenders

  • Credit Kudos Borrowing Index: Under 35s increasingly open to sharing bank data to prove creditworthiness