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