Company: CredAbility
Founder & Director: Nikolaos Charalampous
Website: https://credability.co.uk/
About CredAbility
CredAbility is a free financial app which helps people across the UK stay on top of their credit score, cut everyday costs, and access better financial products. We help make credit more transparent and easier to manage – because we believe better financial confidence starts with better financial knowledge.
Launched in 2019, CredAbility has quickly become one of the UK’s fastest-growing money platforms. Over two million people now use the app to track their credit score, get weekly updates, and receive tailored guidance to move up the credit ladder. CredAbility has helped more than one million members boost their score, making it easier and cheaper for them to borrow in future.
Powered by Equifax, we give members a clear picture of where they stand financially, with insights and practical advice in plain English. The app highlights key changes in score, flags possible fraud, and helps people understand what affects their credit profile. This makes it easier to build positive habits and act with confidence.
We also connect members with financial products that suit them. Our panel includes 40 lenders, ranging from high street names to specialist providers, with 100 more in the pipeline. From credit cards and loans to motor finance, members only see personalised recommendations for products they are likely to be approved for, based on their credit profile.
CredAbility is a trusted hub that supports members at every stage of their financial journey – offering easy-to-follow guides on everything from budgeting to borrowing, plus money-saving tips like how switching energy suppliers could lower household bills.
One of our biggest early challenges was standing out in a crowded market, where people are often unsure who to trust. We tackled this by being clear, useful, and completely free to use. Everything we do is designed to make money feel less overwhelming and more in reach.
Today, CredAbility is turning over £10 million and growing fast. But what drives us is the impact we have on our members. We are proud to be helping people feel more confident about their financial future.
We are currently building even smarter tools. From open banking insights to goal tracking and real-time notifications, our roadmap is focused on giving people even more control over their finances. We are also expanding into partnerships with employers and financial wellbeing platforms and are looking to launch internationally to support even more people worldwide.
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