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.

You consent to connect your bank account(s) through our secure Open Banking journey.
Credit Kudos takes a snapshot of your financial transaction history and aggregates them into a report.
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.

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 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.
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!

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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).