*Kreditz provides a real-time assessment of your personal finances and is not a credit score in legal definition

Your data, your score - you decide

Your data, your score - you decide

Until now, your possibilities of getting for example a loan, a rental apartment or a job have been dependent on your creditworthiness which in turn is calculated by credit bureaus that collect information about you without even letting you know how they do it.

 

Kreditz turns things upside-down by letting you take control of your financial data.

 

With Kreditz you build your own credit score* which you can decide to share with businesses or other individuals when you need to prove your financial credibility or ability to pay WITHOUT revealing any sensitive details.

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Download the Kreditz app

Available in the App Store and Google Play

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Connect your bank

Secure login to retrieve your transactions

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Get your score

It take less than 1 minute - and it's free

As seen on

Partner
google Logo Identity
Verification of identity through your online banking provider
google Logo Score
Based on what you earn, spend and save
google Logo Ability to pay
Prove your ability to pay a certain amount
google Logo Send (or request)
Share your score or ability to pay (without revealing the details). A dynamic watermark confirms authenticity
Identity Image Identity

Verification of identity through your online banking provider

 Ability to pay image Ability to pay

Prove your ability to pay a certain amount

FAQ

Kreditz is good both to track and improve your score. This will lead to increased possibilities of getting a loan, a rental apartment, a job etc. At the same time, you can use Kreditz to share your score or ability to pay, without revealing any sensitive details, before interacting with other individuals when buying, selling or renting on marketplaces to stay safe from fraud.
Download the Kreditz app to your phone from the App store or from Google Play. Kreditz is free to use for you as a consumer.
The Kreditz Score is based on an algorithm that reviews your bank transaction data from the past 12 months. The algorithm takes into account for example your earnings, spending, loans and savings.
    The Kreditz Score is presented in a scale from 0 to 10.
  • 0 - 1,9 = Poor
  • 2 - 3,9 = Fair
  • 4 - 5,9 = Good
  • 6 - 7,9 = Very good
  • 8 - 10 = Excellent
Kreditz ultimate goal is that you will never have to apply for a loan again, just click and choose. If you decide (in the app) to share your Kreditz Score with businesses such as banks, insurance companies etc. you will get the best offers when it comes loans, credit cards and savings.
You can improve your score in many ways and you will get tips continuously in the app and by email.
    Here are a few easy tips to start with:
  • 1. Connect additional banks, for each bank you connect your score will increase
  • 2. Increase your balances month-over-month, in other words keep up your savings
  • 3. Don’t spend over your limits, in other words control where your money is going
No, you can use Kreditz as much as you need without any affect to your creditworthiness calculated by traditional credit bureaus.
Your ability to pay is calculated from your current available funds at the time you logged in to Kreditz. This feature is good to use when you need to prove to someone that you are good for a specific amount without having to share other details such as the name of your bank, your account number or total balances etc.
Share your Kreditz Score or ability to pay with someone when you need to prove your financial credibility, for example when you are about to rent an apartment or buying a car through an online marketplace.
You can request someone else’s Kreditz Score and ability to pay to ask for your counterparts’ financial credibility or ability to pay for a specific amount before you invite someone to test drive your car or look at your apartment to stay safe from fraud when buying, selling or renting through online marketplaces.

Kreditz