Where Do Lenders Get Their Credit Information?

The major credit grantors share information with the credit reference agencies regarding their customers credit agreements. Some lenders may share credit information with one credit reference agency, some may use two credit reference agencies, and a handful of credit grantors will use all three credit reference agencies. Should you wish to obtain a copy of your credit report, you can do so using the links to the right of this page.

The table below demonstrates which lenders use which credit reference agencies*. Should you wish to conduct a credit report on yourself, you should ensure that you use a credit reference agency that reflects the lender(s) you have used in the past.

If you are searching for further credit facilities, you may find that your credit score is higher with one credit reference agency compared to another. For example, if you've had bad credit with a lender who uses experian (but doesn't use the other credit reference agencies), you may find your credit score is higher with Callcredit and Equifax. As a result of this, you may be able to get more favourable credit terms by using a lender that uses that particular credit reference agency.

Table detailing which lenders use which credit reference agencies:

Lender Callcredit Equifax Experian
Alliance & Leicester
American Express
Bank of Ireland
Bank of Scotland
Birmingham Midshires
Bristol and West
Britannia BS
Cambridge BS
Chelsea BS
Co-op Bank
Direct Line
First Direct      
Intelligent Finance      
Leeds BS      
Liverpool Victoria      
Lloyds TSB      
Lombard Direct      
Marks & Spencer      
Morgan Stanley      
Northern Rock      
Portman BS      
Post Office      
Sainsburys Bank      
Scottish Widows      
Skipton BS      
Stroud & Swindon BS      
Yorkshire BS      


*The information provided in the table above has been compiled using information gained from the moneysavingexpert site. Should you wish to make any decisions regarding this information, it is recommended that you contact the lender first to ascertain that it is correct at the present time. www.thecreditagency.co.uk accepts no responsibility for the way in which the information provided is used.

If you would like to access a free copy of your credit report, use the links to the right of this page and access a Free Equifax report, or a Free Experian Report.

Order Equifax Credit Reports, Credit Ratings and Monitoring Online Now

Want to order a personal credit report: Use the links below to place your order with Experian & Equifax:

Experian Credit Information FREE CreditExpert Credit Report From Experian. Get an Experian Report!

Equifax Credit Information Your FREE Equifax Credit Report when you sign up to Credit Watch Gold Monitoring: Order Equifax Credit Watch Gold!

The Credit Agency UK LEARN more about Credit Reports, the way lenders use them and how to Improve Your Credit Score: Personal Credit Report Articles!