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Freddy Kelly CEO
Matt Schofield CTO
Credit Scores
The FICO Model
35% Payment History
30% Debt Burden
15% Length of Credit History
10% Types of Credit Used
10% Credit Appetite
25% of the UK are Millennials
pre-2008 post-2008
75% 25%
7,500,000
Credit Scores
Social Security Number
?
12 St. Martin’s Street Jesmond Newcastle NE1 8BS
12? Twelve?
St.? St? Saint?
Which Newcastle? There are 4!
Street? St?
Problems
1. Your Financial Health
2. How likely you are to repay
What a Credit Score should be
Bank Accounts
We turn Bank statements into Passports*
*cannot be used to board an aeroplane
The Customer
1. Education
2. Confidence
Transparency
The Future
Discussion
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