CredAbility
- Company typePrivate
- Founded-
- HeadquartersManchester, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
CredAbility firmographics
Firmographics- Name
- CredAbility
- Legal name
- Intelligent Lending Limited
- Website
- https://credability.co.uk
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
CredAbility industry classification
Industry- Product category
- Consumer Credit Monitoring
- NAICS
- Credit Bureaus (561450), Other Activities Related to Credit Intermediation (522390), Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Loan Brokers (6163)
- akta.pro primary industry
- Credit Score Monitoring & Credit Building (FSAGADAE)
- akta.pro secondary industry
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
Keywords
Where CredAbility is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
CredAbility business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Credit Broker/Referral Fees: As a credit broker working with a panel of 40+ lenders, CredAbility earns referral fees or commissions when customers successfully apply for credit products through their platform. The service is free to end users.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free tier - all features available at no cost |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
CredAbility product offering
Product offeringCore offering
CredAbility provides UK consumers with free credit scores, credit reports, and credit monitoring tools through a mobile app and web dashboard. The platform enables soft-search credit product comparisons without impacting the user's credit score, acting as a credit broker between users and lenders.
Product overview
CredAbility is a single, unified consumer credit service offering a free weekly credit score and report through both a web dashboard and mobile app. The core CredAbility Credit Score & Report product is the primary offering, supported by features including Spotlight (for personalized offers), Score Insights (for score change explanations), and a Credit Usage Dashboard (for account balance tracking). The company operates as a credit broker working with a panel of 40+ lenders to match users with suitable credit products.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Score & Report Service
- CredAbility Mobile App
Companies that use CredAbility
Customer profileSegments2 records
Ideal customer profiles1 record
CredAbility technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
CredAbility partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- 40+ Lenders PanelcoreCredAbility operates as a credit broker working with a panel of 40+ trusted lenders offering hundreds of credit options. This network enables personalised credit matching for users with varied credit profiles and situations.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
CredAbility competitors and assessment
Company assessmentBroad incumbents
- Experian UK: One of the three main UK credit bureaus, offering free consumer credit report and score tools alongside paid monitoring products. Overlaps with CredAbility on consumer credit monitoring but operates an order of magnitude larger and is itself the data source for many competitors.
- TransUnion UK: UK arm of the third major credit bureau, providing consumer credit reports and monitoring tools to UK residents. Directly comparable in the credit-data and consumer credit-monitoring category where CredAbility also operates.
- MoneySupermarket Group: Large UK price-comparison operator with a dedicated credit-cards, loans, and car-finance vertical using soft-search matching. Broader incumbent comparator given overlapping product-comparison model and lender referral revenue, though serving a much wider financial-services footprint.
- Equifax UK: UK credit bureau offering consumer credit reports, score monitoring, and identity-protection services. Comparable incumbent on the credit-reporting and monitoring side of CredAbility's offering, with the regulator-level scale advantages of a national CRA.
Emerging players
- NerdWallet: Personal-finance comparison platform with strong credit-cards and loans verticals monetised via lender referrals. Adjacent emerging peer reflecting the broader category CredAbility competes in, even though primarily US-focused.
- Credit Sesame: US-based freemium credit-monitoring and credit-building platform monetised through lender referrals. Comparable emerging player in the same credit-monitoring + lender-arbitrage model, useful as a reference point for product and monetisation strategy even though primarily US-focused.
- Credit Karma (Intuit): Free credit-score and product-recommendation service recently launched in the UK by Intuit after Credit Karma's US success. Conceptual direct peer to CredAbility given the same freemium, referrals-monetised model and weekly/monthly score updates.
Direct peers
- ClearScore: UK-based free credit score and report platform owned by Experian, offering personalised product recommendations across cards, loans, and car finance. Most direct comparator to CredAbility given the freemium consumer credit-monitoring model in the same UK market.
- TotallyMoney: UK credit-eligibility and comparison platform providing users with a free credit score and matched product offers. Comparable freemium, broker-led model targeting UK consumers seeking credit, similar to CredAbility's Spotlight offering.
Regional players
- Moneyfacts: UK financial-data and comparison service covering credit cards, loans, and mortgages. Comparable as a UK finance-comparison destination for credit-seekers and as a potential lender-distribution channel competing for the same referral economics as CredAbility.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CredAbility social profiles
Digital presenceCredAbility compliance and trust
Trust signalCompliance1 record
CredAbility financial estimates
Financial estimateRevenue estimate
Valuation estimate
CredAbility leadership team
Management profileNumber of profiles
Profiles1 record
CredAbility funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CredAbility M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CredAbility
What does CredAbility do?
CredAbility provides UK consumers with free credit scores, credit reports, and credit monitoring tools through a mobile app and web dashboard. The platform enables soft-search credit product comparisons without impacting the user's credit score, acting as a credit broker between users and lenders.
Is CredAbility a public or private company?
CredAbility is a private company. It is classified as corporate owned and is currently operating.
When was CredAbility founded?
CredAbility was founded in -1. It employs 11 to 50 people.
Where is CredAbility based?
CredAbility is headquartered in Manchester, United Kingdom, in the Europe region.
How does CredAbility make money?
One revenue line is on record: credit Broker/Referral Fees.
Who are CredAbility's main competitors?
Broad incumbents on record are Experian UK, TransUnion UK, MoneySupermarket Group and Equifax UK. Emerging players are NerdWallet, Credit Sesame and Credit Karma (Intuit). Direct peers are ClearScore and TotallyMoney. Moneyfacts is listed as a regional player.
Does CredAbility have an API?
No public API is recorded for CredAbility.
What industry is CredAbility in?
CredAbility's product category is Consumer Credit Monitoring. Its primary akta.pro industry code is FSAGADAE, Credit Score Monitoring & Credit Building, with a secondary code of FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools. Its NAICS code is 561450 and its SIC code is 7320.