Building a Fairer Consumer Credit Market with Creditsafe

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We're entering a new chapter...


Creditsafe is expanding into consumer credit data, broadening the support we provide to UK lenders and strengthening the foundations of responsible lending across the market.


We've spent more than two decades helping businesses in the UK and around the world make smarter decisions through accurate, real-time data on customers, suppliers and prospects. Our expansion into this market is a natural extension of our mission to help create a fairer, more open and more intelligent credit market.

Consumer with laptop

The UK credit information market is overdue for modernisation.

We believe the UK consumer credit market deserves better. Credit information should be accurate, accessible and reflective of real financial behaviour. It should promote financial inclusion, empower consumers and strengthen trust across the financial system. Competition should simplify the market, not complicate it. And people should be able to see, understand and access their own data without barriers or conditions. Our focus is on helping build a fairer, more intelligent and more open credit ecosystem — one where businesses can make smarter, faster decisions, and where consumers have free access to their own data without advertising requirements.

  1. Better Data

    Delivering a more complete, accurate and representative picture of consumer financial behaviour.

  2. Trusted Expertise

    Bringing decades of trusted governance, compliance and market understanding to consumer credit.

  3. Modern Infrastructure

    Providing a secure, cloud‑first and highly flexible platform built for modern data‑sharing.

  4. Fairer Pricing

    Making high‑quality consumer credit data more affordable through a modern, cost‑efficient model.

Lauren Thomas

Ian Wright

Head of Consumer Data

Lenders: join us in shaping a more intelligent credit data future

We’re combining proven bureau expertise with new data, new technology and a more open way of working. If you’re interested in working together to strengthen insight, improve outcomes and modernise how the market operates, we’d like to talk.
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Organisations we work with or are a part of

Security and compliance

Creditsafe is engineered with security and data protection at its core. We are authorised and regulated by the Financial Conduct Authority and hold internationally recognised security and resilience certifications, including ISO 27001 and ISO 22301.

Frequently Asked Questions

Why is Creditsafe moving into the consumer credit market?

We see a clear opportunity to bring greater transparency, competition and innovation to the UK’s consumer credit ecosystem. We already run established consumer bureaus across the Nordics, where we’ve supported lenders and consumers for more than 20 years, and half of all customers in Sweden and Norway have accessed our consumer credit services. Expanding into the UK is a natural step in our mission to help create a fairer, more open and more intelligent credit market.

Does this move change what Creditsafe is known for?

No. Our values remain core to who we are, and that doesn’t change. We’re applying those same capabilities and principles to the consumer market. This move adds to our story and supports the next stage of our growth.

How will this benefit lenders and consumers?

Consumers deserve the same level of accuracy, transparency and accessibility that businesses receive today and that’s not always the case. Higher‑quality data and better‑governed data‑sharing models are essential to achieving that. By taking a person‑centric approach, looking beyond traditional data sets and putting individuals in greater control of their information, we can help lenders make fairer, more informed decisions. A more competitive market also supports better outcomes for consumers and encourages innovation across the credit ecosystem.

What will Creditsafe offer as part of this expansion?

Our focus is on building a more complete, accurate and representative picture of financial behaviour. People deserve credit decisions that reflect their real financial lives, not old or incomplete data. That means taking a person‑centric approach, looking beyond traditional data sets, and putting individuals in greater control of their information. By placing high‑quality data and modern, well‑governed data‑sharing frameworks at the centre of our approach, we aim to give lenders clearer, more reliable insight and ensure consumers receive fairer, more consistent outcomes.

When will Creditsafe’s own consumer credit data be available?

We’re building a bureau from the ground up, with the individual and their information at the top of the priority list. We will share timelines as our work progresses. Our focus is on creating a service that meets the highest standards of data accuracy, governance and market relevance.

How can organisations engage with Creditsafe during this development phase?

We don’t believe this is something any single organisation should build alone. If you’re a lender, a fintech, or anyone who wants to help build a better consumer credit experience, this is the moment to work with us.