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You’re more than a credit score

We are transforming the credit scoring system to provide fairer credit for all; helping you access responsible finance you can afford, when you need it.

Find out more
  • Faster and easier

    No scanning and uploading documents.

  • More secure

    Bank-level encryption keeps your data safe.

  • Quicker decision

    Make your application faster to process.

You’re in control of your credit

Traditional credit scores are based on a lot of assumptions. If you rent your home or haven't taken out loans before, lenders may consider you high risk even if you've never missed a payment.

Our technology lets you demonstrate your true creditworthiness using real, up-to-date financial data provided directly by you.

How it works

Credit Kudos is different to traditional credit reference agencies as it works using government-backed Open Banking technology. Open Banking allows you to securely share a snapshot of your account history, without uploading any documents. There’s no impact to your credit score.

  • Connect with CK button illustration

    You consent to connect your
bank account(s) through our secure Open Banking journey.

  • List of banks illustration

    Credit Kudos takes a snapshot of your financial transaction history and aggregates them into a report.

  • Report is created illustration

    The lender instantly recieves the report and gives you a lending decision.

Powered by Credit Kudos

We’ve powered a number of products that are making managing money, applying for credit, and finding a new home easier.

  • Mojo

    MortgageScore is Mojo Mortgages 'get mortgage ready' product, powered by Credit Kudos. It provides guidance on how to become mortgage ready for those looking to get on the property ladder.

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Safe and secure

Our technology was built from the ground up with security and privacy at its core. We’re integrated with some of the largest lenders in Europe and have trusted connections with major financial institutions.

Credit Kudos is authorised and regulated by the Financial Conduct Authority (ref. 770345 and 795791).

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Awards

  • Winner

    Best Credit Information Partner

    Credit Strategy Lending Awards 2020

  • Winner

    Credit Information Partner of the Year

    Consumer Credit Awards, 2020

  • Winner

    Innovation of the Year

    Consumer Credit Awards, 2020

  • Winner

    Fintech Innovator of the Year

    TechWorld, 2019

  • Winner

    Best Technology Provider

    CCS Awards, 2019

  • Winner

    Best Use of Technology

    IAFN Awards, 2019

  • Finalist

    Innovation of the Year

    Consumer Credit Awards, 2019

  • Winner

    Machine Learning in Credit & Collections Solution

    Credit & Collections, 2019

  • Finalist

    Affordable Credit Challenge

    Nesta, 2019

  • Finalist

    Best New Innovation In Driving Frictionless Digital Financial Distribution

    FDATA, 2019

  • Winner

    Credit & Collections Technology Powerlist

    Credit Connect, 2019

  • Winner

    Tech Nation Fintech Programme

    Tech Nation, 2019