UK PUBLIC DEMO · BUILD 1
Check your credit.
Build what comes next.
Credit Cow is being built to let anyone in the UK check, understand and improve their credit in minutes — free to get started.
DEMO DATAThis first public build uses demo data. Live credit connections are being switched on next.
No email before valueNo fake live scoreEveryone means everyone
Here's what matters.
YOUR CREDIT PICTUREDEMO
Improving↑
GOALMore options for what comes next
BEST NEXT MOVESort the O2 marker1 of 1
People don't dream about a 734 credit score.
🏠 Get the home🚗 Buy the car💡 Start the business🛟 Have more options
INTERACTIVE PRODUCT DEMO
Five minutes. One clear next move.
DEMO DATA ONLY
01 · WHAT BRINGS YOU HERE?
Pick your starting point.
Credit Cow meets you where you are. No judgement. No twelve-task avalanche.
WHY THREE CREDIT SCORES?
There isn't one magic number.
Equifax, Experian and TransUnion can see different information, use different scales and calculate scores differently. Credit Cow helps you see the picture without pretending one number tells the whole story.
Illustrative demo only. No direct partnerships or live connections are implied.
YOUR CREDIT JOURNEYToday's boring action.
Today's boring action.
Tomorrow's better option.
Credit Cow keeps your real goal in view, shows the overall direction and gives you one useful action at a time.
OVERALL DIRECTIONImproving ↑
ILLUSTRATIVE HISTORY
🐄 Credit Cow's interpretationWhere I started → where I'm going
JanMarMayJulToday
A realistic dipStill heading the right way
Credit Cow Vault
DEMO RECORDS🐄 You already told Cow. You shouldn't have to find it again.
CREDIT COW VAULTThe boring stuff.
The boring stuff.
Remembered.
The details and credit history you don't want to keep hunting for: account references, correspondence, disputes, evidence, call notes, deadlines and outcomes.
Stage 0 is demo data only.Do not enter a real NI number, real credit record or sensitive financial information in this public build.
CORRESPONDENCE + HUMAN INTELLIGENCE
Finally, someone keeps track.
Tell Cow what happened on the phone. Add the email that arrives later. Credit Cow connects the timeline — while showing where every detail came from.
✓ Credit data🌍 External source💬 You told Credit Cow🐄 Credit Cow's interpretation
O2 · 22 AugustCall note
“Sarah said the payment was received and the credit team should remove the marker within 30 days.”
💬 You told Credit CowNot independently verifiedO2 · 24 AugustEmail received
Your query has been passed to our Credit File Team.
🌍 External source21 September3 days remaining
Before O2's stated timeframe expires.
🐄 Credit Cow's interpretationTHREE LEVELS OF HELP
Choose how much Cow you need.
Not feature tiers. Increasing amounts of practical help.
Show me
Understand where you stand and what you can do yourself.
- What's helping and hurting
- Simple actions
- Basic credit education
- Progress tracking
Guide me
Ongoing guidance, memory and a personalised plan.
- Monitoring and alerts
- Goals and history
- Ongoing Cow conversation
- Reminders and next moves
Help me do it
Your Credit Cow Agent reduces work to a clear approval flow.
- Correspondence prepared
- Cases and promises tracked
- Evidence organised
- CHECK → APPROVE → SEND
Human help is not a Premium-only escape hatch.
If human judgement is the responsible next step, Ask a Human still exists.
YOUR GOAL
I need £600 in six months.
You may not need credit for this one.
£100 a month for six months gets you there without borrowing. If that is realistic, it may be simpler and cheaper.
🐄 Credit Cow's interpretation£100×6 months=£600
BETTER CREDIT ≠ BORROW MOREMore options.
More options.
Not more debt by default.
Better credit is useful because it gives you choices. Having access to borrowing does not make borrowing the best answer.
If saving is better, Cow should say so.THE COMMERCIAL RULE
Your interests come before our referral fee. Always.
Some future providers may pay Credit Cow. Some may pay nothing. What we're paid does not change how we rank the options.
This demonstration is not a recommendation. Future rankings will depend on the information available; check important details yourself and ask for another pair of eyes when useful.
Provider pays Credit Cow if you choose it:
£0RANKED #1Provider pays Credit Cow if you choose it:
£50RANKED #2A LITTLE COW CONTEXTCow intelligence.
Cow intelligence.
Human intelligence.
I can analyse a lot of information, remember context and help you work out what to do next. You make the important decisions. If I think a human professional would be more useful, I'll say so.
🐄 Credit Cow's interpretation
Show where important information came from.Never pretend Cow knows something it doesn't.Tell you when something genuinely requires effort.Bring in a human when a human is better.
NO TRAPSStay because it's useful.
Stay because it's useful.
Not because leaving is difficult.
01If you only need Premium for a month, use it for a month.
02We'll remind you before another payment is due.
03Cancelling should take seconds.
04Stopping a subscription doesn't delete your history.
05Deleting your account is a separate choice.
06No better free option hidden behind our referral fee.
SOCIAL ENTERPRISE
Credit Cow needs to make money to survive and improve, but profit isn't the end goal. It helps us build better tools, keep more of Credit Cow free, and work towards our vision of making great financial advice and assistance accessible to everyone in the UK.
The more successful Credit Cow becomes, the more people we will be able to help.
🌱
STARTRIGHT
FAMILIES + STARTING RIGHT
Don't wait until something goes wrong to learn how credit works.
Credit Cow's long-term ambition includes useful, plain-English credit education for young adults, parents, families and schools — even if they never become paying customers.
Education and preparation only for young people. Credit Cow will never imply that children can take regulated borrowing products before they are legally eligible.
COMING NEXT
Starting a mission. Expanding carefully.
The demo proves the experience first. Live connections and advanced actions follow carefully as the right infrastructure, permissions and partnerships are put in place.
WHAT WE'LL MEASURE AS THE HERD GROWS
Outcomes. Not vanity numbers.
No fake impact statistics and no invented customers. These are the things Credit Cow intends to measure when real people start using it.
Credit errors correctedIssues resolvedCredit trajectories improvedImportant goals reachedEducation usedPeople helped for free
BUILT FIRST FOR A REAL PERSON WITH THE PROBLEM
Marcus got tired of the maze.
Credit Cow started because Marcus wanted to understand and improve his own UK credit position without getting lost in confusing systems, forms and call-centre loops.
Marcus Warry ACAChartered Accountant · Founder, The Ideas Shed
That makes the product accountable and human. It does not make Credit Cow a regulated financial adviser.
OPEN THE FOUNDER DEMO ↗Build what comes next.
Try the whole experience before giving us anything.