Better credit for all

We’re a different kind of credit bureau. Credit Kudos harnesses financial data through Open Banking to make better, fairer credit decisions.

Are you a business?

We make it easy to incorporate Open Banking into applications, affordability checks and credit models.

For business

Are you a person?

Credit Kudos helps you get a better deal by using your own data when applying for products and services.

For individuals

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Better experiences

Our obsessively designed technology makes it easy to instantly understand financial behaviour.

Better connections

We have secure, direct connections into the UK and Europe's largest financial institutions.

Better decisions

We look beyond one-dimensional credit scores to build a complete picture of financial situations.

Safe and Secure

Earning your trust is our top priority. 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.

Customer Consented

We believe you should always be in control when it comes to your data. You'll always be prompted for consent by Credit Kudos when sharing.

Regulated by the FCA

We're authorised and regulated by the FCA as both a Credit Reference Agency (CRA) and an Account Information Services Provider (AISP) (ref. 770345 and 795791).

GDPR Compliant

We’re registered with the Information Commissioner’s Office (ICO) as a Data Controller (reg. ZA158354) and are compliant with the 1998 Data Protection Act (DPA) and the EU General Data Protection Regulation (GDPR).

Security Tested

Credit Kudos' information security management system is ISO-27001 certified, and we have been awarded the UK government's Cyber Essentials certification.

Government-grade encrypted

We use HTTPS 256-bit encryption when transmitting and storing data to keep our customers safe.