Hello, we’re Credit Kudos…

We are a new financial technology provider facilitating a fair, transparent relationship between individuals and companies so that financial products can be tailored to fit unique needs, better than the one-size-fits all credit check approach.

How we’re Different

Not just generating another number

We are developing a new way to measure creditworthiness so that lenders can make informed decisions without relying on brittle and outdated systems.

Our product enables consumers to securely share relevant information with a lender in order to get a decision. Whilst current credit scores rely on opaque processes centred on historical repayments, we use up to date financials to measure risk.

Our Core Values:

  1. Transparent
  2. Responsibility
    for fairness
  3. Approachable
  4. Effective Automation
  5. Facilitating Involvement

Our Founding Team

We’re Engineers, not Bankers.

Matt & Freddy met at university studying Computer Science. After graduation, Matt joined Universal Music Group to build better tools to interpret and understand user listening behaviour. As CTO, Matt leads engineering efforts of Credit Kudos, turning his Data Science and Machine Learning experience to the problem of measuring creditworthiness. Freddy, on the other hand, spent the first years of his working life in Silicon Valley. After his time at cloud infrastructure startup, Bitnami, Freddy joined the transaction analytics platform, TXN as their first engineer. At TXN, Freddy was responsible for building models to better understand consumer behaviour through credit/debit transaction data. As CEO, Freddy works closely with lenders to bring Credit Kudos to their customers.

Credit Kudos started in August 2015, initially out of Freddy’s frustration with the cumbersome processes required to apply for credit in the UK. We are backed by a great group of supporters & investors, including Bootstrap, Capital One Growth Labs, Entrepreneur First & NFT Ventures.

Matt Schofield & Freddy Kelly, founders of Credit Kudos

Our Partners & Supporters

Backed by the best in the industry

  • nft-logo

    NFT Ventures

    is a Venture Capital fund focusing on Financial Technology in Northern Europe.

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    Entrepreneur First

    is one of Europe’s leading startup investors, specialising in early stage, deep tech companies.

  • capital-one-logo

    Capital One Growth Labs

    is the UK incubator of the credit card lender.

  • bootstrap-logo

    Bootstrap Fund

    supports companies enabling social mobility in the Dalston & Hackney area of London.

  • ccta-logo


    represents companies providing fair and effective consumer credit products in the UK.


    is a trade association working to promote the benefits of Open Banking standards.

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    HM Government

    and the Cabinet Office and the Department for Digital, Culture, Media and Sport (DCMS).

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    is a global innovation foundation. It backs new ideas to tackle the big challenges of our time.