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Credit Reference Agencies

Find which lenders use which agency

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Money Team

Updated March 2016

Credit Reference AgenciesThere are three main credit reference agencies compiling info on us: Equifax, Experian and Callcredit. Apply for credit and lenders will ask one, two or all three of them for information. This guide shows you which lenders use which agency.

As different agencies have different details, it's possible to increase your acceptability by picking a lender using the right agency. If you've applied for credit with a lender and been turned down, it may be worth then choosing a lender working with a different agency. This won't always work, but it could help you.

The following table details which credit reference agency each lender uses when you apply for credit. The tables have been sorted by different types of credit.

If you're a MoneySaving newbie, please read this along with the Credit Scores article, which explains the whole system. You can also discuss this table with other MoneySavers in this chat forum from which some of the information in the tables has been sourced.

IMPORTANT NOTE: We asked lenders which agencies they check. If we don't have official information, we have used the experiences of MoneySavers (highlighted in tables). With thanks to forumite Underground, for compiling this data.

Filter tables by Agency:


*Note: Lenders that do not use the selected agency will not appear below.
Bank current accounts and the credit reference agencies used
Current account provider
Agency used to check your credit record
Equifax
Experian
Callcredit
Barclays
Chelsea BS
Citibank
Co-operative Bank (incl Smile & Britannia)
Coventry Building Society
Danske Bank
Halifax & Bank of Scotland
HSBC (incl First Direct)
Leeds Building Society
Lloyds
M&S Bank
Metro Bank
Morgan Stanley
Nationwide
Natwest
Norwich & Peterborough BS
Royal Bank of Scotland
Santander
Skipton BS
TSB
Yorkshire Bank & Clydesdale Bank
Credit cards and the credit reference agencies used
Credit card provider
Agency used to check your credit record
Equifax
Experian
Callcredit
American Express
Bank of Ireland
Barclaycard (incl Hilton HHonors & Priority Club)
Capital One
Co-operative Bank (incl Smile)
Creation (Asda Money, Flybe, Marriott Rewards and Creation Cards)
Danske Bank
Halifax & Bank of Scotland
HSBC (incl First Direct & M&S)
HSBC (for John Lewis card)
Lloyds
MBNA (incl AA, Aadvantage, lastminute.com, Leeds BS, Miles & More, Norwich & Peterborough BS)
Metro Bank
Nationwide
Natwest
Post Office (Bank of Ireland)
Royal Bank of Scotland (incl Ulster Bank)
Sainsbury's
Santander
Tesco Bank
TSB
Vanquis
Virgin Money
Yorkshire Bank & Clydesdale Bank
Mobile phones, landlines, television, broadband & utilities and the credit reference agencies used
Provider
Agency used to check your credit record
Equifax
Experian
Callcredit
BT
E.ON
Carphone Warehouse
EE - broadband
EE - mobiles
O2
Southern Electric (SSE)
Tesco Mobile
Three
Virgin Mobile
Virgin Media
Vodafone
Catalogues and the credit reference agencies used
Catalogue
Agency used to check your credit record
Equifax
Experian
Callcredit
Candid Collections Ltd (incl JD Williams, Jacamo, Simply Be)
Findel plc (incl Ace, Health & Home Shopping, Studio)
Next Directory
Otto Group (Freemans, Grattan)
Redcats (Daxon, LaRedoute, Vertbaudet)
Shop Direct Group (Littlewoods, Very)
Lenders and the credit reference agencies used
Lender
Agency used to check your credit record
Equifax
Experian
Callcredit
Black Horse
Clydesdale Bank
Creation Loans
Everyday Loans
Halifax
HSBC (incl First Direct)
Lloyds
M&S Bank
Nationwide
Natwest
Post Office
RateSetter (Peer to peer)
Royal Bank of Scotland
Sainsbury's Bank
Santander
Tesco Bank
Wonga
Zopa
Store cards and the credit reference agencies used
Lender
Agency used to check your credit record
Equifax
Experian
Callcredit
Argos Store Card
Brighthouse
Creation Financial Services (Currys, PC World, Dell, dfs, Dreams, ScS, Selfridges)
Ikano Bank (IKEA, New Look, Oasis, Warehouse)
Next
Paypal Credit
V12 Finance (aria, DABS.com, Direct Golf UK, Scan, Wheelies Direct)
Mortgages and the credit reference agencies used
Mortgage provider
Agency used to check your credit record
Equifax
Experian
Callcredit
Co-operative Bank (incl Britannia BS)
Halifax
Hanley Economic BS
HSBC
Nationwide
Natwest
Norwich & Peterborough BS
Royal Bank of Scotland
Santander
Skipton BS
Yorkshire BS
Motor finance and the credit reference agencies used
Motor finance provider
Credit reference agency used for credit searches
Equifax
Experian
Callcredit
ALD Automotive Finance
Alpera Financial Services
Black Horse
RCI Financial Services
Santander Consumer Motor Finance
Toyota Financial Services
Volkswagen Financial

Back to credit scores article