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Credit Reference Agencies

Find which lenders use which agency

IMPORTANT NOTE: This table was updated in 2015. It is primarily based on the real life experiences of MoneySavers, as banks and companies who search credit reference agencies are often reluctant to give this information out. With thanks to forumite Underground, for compiling MoneySavers' experiences in the forum.

There are three main credit reference agencies compiling info on us; Equifax, Experian and Callcredit. Apply for credit in any form and lenders will ask one, two or all three of them for information.

Credit Reference Agencies

As different agencies have different details, it's possible to increase your acceptability by picking a lender using the right agency, although remember this list can change regularly, call and check with a lender if you want to make a specific application.

The following table details which credit reference agency each lender uses. The tables have been sorted according to lender/credit type. Utilising this takes some patience. 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 helps.

If you're a MoneySaving newbie, please only read this in conjunction with my ‘Your Credit Rating, How it works, How to beat it' article, which explains the system in its entirety. You can also discuss this table with other MoneySavers in this chat forum from which much of the information in the tables has been sourced.

Filter tables by Agency:

Select an agency from the choice above.
*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
Credit reference agency used for credit searches
Equifax
Experian
Callcredit
Allied Irish Bank (First Trust Bank)
Bank of Cyprus
Bank of Ireland (incl Post Office)
Barclays
Birmingham Midshires
Cambridge BS
Chelsea BS
Citibank
Co-operative Bank (incl Smile & Britannia)
Coventry Building Society
Danske Bank
Halifax & Bank of Scotland
HSBC (incl First Direct)
ICICI
Leeds Building Society
Lloyds
Marks & Spencer
Metrobank
Morgan Stanley
Nationwide
Natwest
Norwich & Peterborough BS
Royal Bank of Scotland
Sainsbury's Bank
Santander
Skipton BS
TSB
Yorkshire Bank & Clydesdale Bank
Credit cards and the credit reference agencies used
Credit card provider
Credit reference agency used for credit searches
Equifax
Experian
Callcredit
Allied Trust Bank (incl Saga & First Trust Bank)
American Express
Bank of Ireland
Barclaycard (incl Hilton HHonors & Priority Club)
Capital One
Co-operative Bank (incl Smile)
Danske Bank
Halifax & Bank of Scotland (incl Aqua)
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)
Metrobank
Nationwide
Natwest
Post Office (Bank of Ireland)
Royal Bank of Scotland (incl Ulster Bank)
Sainsbury's
Santander
Sygma Bank (Creation, Flybe card, Marriott Rewards, Maximiles)
Tesco
TSB
Vanquis
Virgin Money
Yorkshire Bank & Clydesdale Bank
Mobile phones, landlines, television, broadband & utilities and the credit reference agencies used
Provider
Credit reference agency used for credit searches
Equifax
Experian
Callcredit
3
BT
E.ON
Carphone Warehouse (Talkmobile)
O2
Orange (EE)
Southern Electric (SSE)
T-Mobile
Tesco Mobile
Virgin Mobile
Virgin Media
Vodafone
Catalogues and the credit reference agencies used
Catalogue
Credit reference agency used for credit searches
Equifax
Experian
Callcredit
Candid Collections Ltd (incl JD Williams, Jacamo, Simply Be)
Findel plc (incl Ace, Express Gifts, Health & Home Shopping, Kleeneze, Studio)
Next Directory
Otto Group (Freemans, Grattan)
Redcats (Daxon, LaRedoute, Vertbaudet)
Shop Direct Group (isme, K&Co, Littlewoods, Very)
Lenders and the credit reference agencies used
Lender
Credit reference agency used for credit searches
Equifax
Experian
Callcredit
Black Horse
Clydesdale Bank
Creation Loans
Everyday Loans
Halifax
HSBC (incl First Direct)
Lloyds
M&S
Nationwide
Natwest
Post Office
Rate Setter (Peer to peer)
Royal Bank of Scotland
Sainsbury's
Santander
Tesco
Wonga
Zopa
Store cards and the credit reference agencies Used
Lender
Credit reference agency used for credit searches
Equifax
Experian
Callcredit
Argos Store Card
Brighthouse
Creation Financial Services (Currys, PC World, Dell, dfs, Dreams, ScS, Selfridges)
Ikano Financial Services (IKEA, New Look, Oasis, Warehouse)
Next
V12 Finance (aria, DABS.com, Direct Golf UK, Scan, Wheelies Direct)
Mortgages and the credit reference agencies used
Mortgage provider
Credit reference agency used for credit searches
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

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