Fair Credit Charity Ltd

Analysis

Fair Credit Charity Ltd is a registered charity in England and Wales, based in Coventry. It was registered in May 2015, 11 years ago. Its declared purposes cover education/training and the prevention or relief of poverty, which this site groups under poverty relief. Legally it is a charitable company (Companies House number 08991099). It says it provides other finance and other charitable activities.

In the financial year ending December 2025, Fair Credit Charity Ltd reported income of £3.6m and spending of £4.0m, spending 111% of what it took in. Across the 5 years on record, from December 2021 to December 2025, income fell from £5.0m to £3.6m (-28%), an average of -7.9% a year. The sharpest change came in the year to December 2022, when income rose by 21%. Over the whole period it spent 94% of the income it received.

Among 15,276 England and Wales charities whose main cause is poverty relief and that reported income, Fair Credit Charity Ltd sits at the 98th percentile: it is larger than about 98% of them. Against every charity in England and Wales with reported income it ranks in the 98th percentile. Charities of a similar size with the same main cause include Breaking Barriers (£3.6m), Yusuf Islam Foundation (£3.6m) and Co-Operative Community Investment Foundation (£3.6m).

In its latest detailed accounts, income came from trading 97%. Charitable activities took 0.3% of spending and raising funds 0.0%. Reserves of £3.0m would cover about 9 months of spending at that rate. It employed 20 people.