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.
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 logo]()
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.
![Goodlord logo]()
Goodlord streamlines the lettings application process. It uses the latest technologies, such as Credit Kudos' Open Banking solution, so tenants can prove their financial health quickly and accurately.
![Movebubble logo]()
Rent your next home instantly, online. Credit Kudos helps Movebubble verify your financial health so that you can search for, view, and rent your next home all online!
As featured in
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).
Have more questions?
Awards
Winner
Fintech Startups to Watch
Computerworld 2020
Winner
The Fintech50 2020
FintechCity 2020
Winner
The Power List 20
Credit Connect 2020
Winner
Top 100 FinTech Disruptors for 2020
BusinessCloud 2020
Winner
London's Top 50 Startups
Tempo 2020
Winner
Innovation of the Year
Consumer Credit Awards 2020
Winner
Best Technology Provider
Credit Strategy Credit Awards 2020
Winner
Best Technology Provider
CCS Awards 2019
Winner
Credit Information Partner of the Year
Consumer Credit Awards 2020
Finalist
Innovation of the Year
Consumer Credit Awards 2019
Winner
Fintech Innovator of the Year
TechWorld 2019
Finalist
Affordable Credit Challenge
Nesta Challenges 2019
We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our Cookie Policy. We use cookies to provide you with a good experience when you use our website, and for us to continue to improve that experience. Please select 'Accept all' to consent to us collecting your data in this way.