Home Articles Which Credit Report Do Lenders Use?
Which Credit Report Do Lenders Use?

When you apply for a mortgage, loan or credit card lenders search your credit file before making a decision about whether or not to lend.  They use the information from your credit report and the information from your application form to calculate your credit score and determine how much is appropriate to lend and sometimes what interest rate to offer you.

There are three UK credit reference agencies that exchange information with lenders, Experian, Equifax and Call Credit.  If you ever order your free credit reports from all three credit reference agencies, you'll discover that the information provided by each one is slightly different.

Usually a lender obtains your information from one or two of the credit reference agencies, but in most cases not all three (although there are some that do).

This means that, if you know which credit reference agencies a lender uses and what each credit reference agency will report, you can maximise your chances of being accepted for credit and ensure that you get yourself the best possible deal.

The first step is to order your free credit report from each of the credit reference agencies.  You can do this by clicking on the buttons below:

free_experian_credit_report

free_equifax_credit_report

free_callcredit_credit_repo

Next, you need to find out which credit report lenders use.  Most lenders tend to keep this a secret!  But after some painstaking research we've compiled a list below for the most common lenders.

It's impotant to point out that, as this information is not publicly avilable, this list may not be 100% accurate.  If you find any discrepencies (which will surely arise over time) please let us know so we can update the table.  Always contact the relevant lender before making an application to confirm the accuracy of the information.  whichcreditreport.co.uk accepts no responsibility for the way in which the information provided is used.

 

Which Credit Reference Agency Do Lenders Use?

Experian Equifax CallCredit
AA

yes

yes

American Express

yes

Bank of Cyprus

yes

Bank of Ireland

yes

Bank of Scotland

yes

yes

 

Barclaycard

yes

yes

Barclays

yes

yes

Birmingham Midshires

yes

Britannia Building Society

yes

yes

Cambridge Building Society

yes

Chelsea Building Society

yes

Cheltenham & Gloucester

yes

yes

Cheshire Building Society

yes

Citibank

yes

Clydesdale Bank

yes

Coventry Building Society

yes

yes

yes

Derbyshire Building Society

yes

Direct Line Financial Services

yes

yes

Egg

yes

yes

First Direct

 

yes

Furness Building Society

yes

Godiva Mortgages

yes

yes

yes

Halifax

yes

yes

HSBC Bank

yes

ICICI Bank

yes

Intelligent Finance

yes

yes

yes

Leeds Building Society

yes

yes

Liverpool Victoria

yes

Lloyds TSB

yes

yes

Marks & Spencer

yes

yes

MBNA

yes

yes

Mint

yes

yes

Mortgan Stanley

yes

yes

Nationwide Building Society

yes

yes

NatWest

 

yes

Northern Rock

yes

yes

Platform

yes

Post Office

yes

Precise Mortgages

yes

Prudential

yes

yes

Royal Bank of Scotland

yes

yes

Sainsbury's Bank

yes

Santander (includes Abbey and Alliance & Leicester brands)

yes

yes

Scottish Widows Bank

yes

Skipton Building Society

yes

Stroud & Swindon Building Society

yes

The Co-operative Bank

yes

The Mortgage Works

yes

The One Account

yes

yes

UCB Home Loans

yes

Virgin

yes

yes

Yorkshire Bank

yes

Yorkshire Building Society

yes

yes

yes

 
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Comments 

 
#4 Scott Arthur 2013-06-16 16:15
First Direct use Equifax, not Experian (Recent Mortgage app)
Quote
 
 
#3 Loz Bain 2012-09-03 10:21
Furness Building Society use Call Credit only (recent mortgage app).
Quote
 
 
#2 david dickinson 2012-05-25 21:23
can anyone confirm clydesdale bank wont search equifax for a loan. my callredit and experian are really good but my equifax has a blip on it for another 3 months
Quote
 
 
#1 Katie Hart 2012-05-14 13:28
It seems Nationwide also use Equifax
Quote
 

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