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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.

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  • 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.

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

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

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    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.

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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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Have more questions?


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    Computerworld 2020

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    The Power List 20

    Credit Connect 2020

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    BusinessCloud 2020

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    London's Top 50 Startups

    Tempo 2020

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    Innovation of the Year

    Consumer Credit Awards 2020

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    Best Technology Provider

    Credit Strategy Credit Awards 2020

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    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

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