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.
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).
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
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