Our Vision


Credit Kudos uses consumer transaction data to build highly accurate and transparent credit score-cards and affordability metrics. Our platform makes decision-making possible for the ~8m previously “unbanked” as well as those with nonexistent or “thin” credit files.

We believe that it’s possible to establish high accuracy predictors of credit worthiness that don’t punish borrowers at the low end of the income spectrum. To achieve this we are leveraging our experience in building high throughput data analytics products to develop a new type of scoring product that provides a fair and true representation.

We are backed by Entrepreneur First, Europe’s leading pre-seed investment programme for technical founders. Responsible for incubating 50 of the fastest growing startups in Europe, backed by prestigious VCs including Index Ventures, Balderton Capital, Octopus Investments and Y Combinator.

Our Founders

  • Freddy Kelly

    freddy.png After completing a B.Sc. in Computer Science at the University of Manchester, Freddy moved to San Francisco to join the engineering team at Bitnami (YC W13). Prior to founding Credit Kudos, Freddy was the first engineer at A16z-backed TXN, developing their transaction analytics platform.

  • Matt Schofield

    matt.png A Systems Architecture and Data science hybrid. Matt has spent the last four years building high availability APIs and tooling at Universal Music Group as well as taking the CTO role at Universal’s own artist discovery startup, Spinnup.

  • Consumer Credit Trade Association
  • BCCA
    Representing UK alternative lenders
  • ICO
    Registered Data Controller