Coming soon
Open Banking credit score for default prediction.
Validated on multiple products, our credit score identifies good customers better than the bureaus.
Test today
Performance.
Compared like-for-like to a traditional bureau score, our score correctly identified:
15.7%
More good borrowers.
2%
More defaulters.
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What we learned underwriting 10,000 customers
Our score has maintained performance over the last 12-months in production.
What can we do for you?
Reduce your cost per acquisition
Safely move down the risk curve
Serve your marginal decline population
Reduce friction with OB soft search
Automatically verify income
Complete the last 30-days picture
Marginal declines.
Utilise Noggin’s risk score to increase acceptance of your marginal declines population safely, and reduce CPA.
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Open Banking soft search.
Reduce drop-off by calling our API to get our score & enrichments, before putting customers down an OB journey.
Test today
How can I test Noggin’s Open Banking credit score?
If you're interested in testing our Open Banking credit score to get ahead of the game for when we're licensed, book a call with us today and we’ll walk you through how easy it is to use Noggin’s API and how to start testing.
Is Noggin authorised to provide credit references today?
Noggin is in the process of securing it's Credit Reference Agency license through the Financial Conduct Authority. Though we're not currently authorised to provide credit references today our solution is ready to launch as soon as we're licensed. Please check out our Categorisation and Enrichments services that are available today.
What is Open Banking soft search?
An Open Banking soft search is a non-intrusive financial check carried out using a customer’s bank transaction data (shared with consent via Open Banking APIs) that does not affect the customer’s credit score and does not appear on their credit file.
Change is coming to the financial services industry, join the forward-thinking companies who’re getting ahead.
We make Open Banking data work for you.
© 2025 Noggin HQ Ltd. All rights reserved.
Noggin HQ Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 993735).
We make Open Banking data work for you.
© 2025 Noggin HQ Ltd. All rights reserved.
Noggin HQ Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 993735).
We make Open Banking data work for you.
© 2025 Noggin HQ Ltd. All rights reserved.
Noggin HQ Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 993735).