Report to one credit reference agency or all four of Experian, Equifax, TransUnion & Crediva

Most companies will work with more than one credit agency which is why CreditLadder recommends you report your rent payments to Experian, Equifax, TransUnion and Crediva. These are the main credit reference agencies that hold data about your financial behaviour.

Companies will run a credit check to decide whether you are eligible for their product, and if appropriate, the interest rate you’ll pay. They access your credit file for ID checks and age verification. Lenders and businesses use credit reports for identity checks, fraud prevention and lending decisions.

A credit score forms the basis on which companies make lending decisions. Credit reference agencies hold data on your financial behaviour, including credit applications, debts, and transactions. A strong credit position with Experian, Equifax, TransUnion and Crediva can help you access finance, and access finance at better rates. Credit reference agencies also assess your creditworthiness and provide credit scores.

Report your rent payments through CreditLadder to strengthen, improve or repair your credit history and credit score.

According to ClearScore, an ‘excellent’ credit score with Equifax could save you £19,000 over the course of a lifetime, in comparison with having a ‘low’ score.

Last updated: October 2021

Credit Card Providers
American ExpressAmerican Express use Experian for credit card applications.
Bank of ScotlandBank of Scotland use Experian for credit card applications.Bank of Scotland use Equifax for credit card applications.Bank of Scotland use TransUnion for credit card applications.
BarclaycardBarclaycard use Experian for credit card applications.Barclaycard use Equifax for credit card applications.Barclaycard use TransUnion for credit card applications.
Capital OneCapital One use Experian for credit card applications.Capital One use Equifax for credit card applications.Capital One use TransUnion for credit card applications.
Co-operative Bank (inc. Smile)Co-operative Bank (inc. Smile) use Experian for credit card applications.Co-operative Bank (inc. Smile) use Equifax for credit card applications.Co-operative Bank (inc. Smile) use TransUnion for credit card applications.
Halifax & Bank of ScotlandHalifax & Bank of Scotland use Experian for credit card applications.Halifax & Bank of Scotland use Equifax for credit card applications.Halifax & Bank of Scotland use TransUnion for credit card applications.
HSBC (inc. First Direct)HSBC (inc. First Direct) use Experian for credit card applications.HSBC (inc. First Direct) use Equifax for credit card applications.HSBC (inc. First Direct) use TransUnion for credit card applications.
LloydsLloyds use Experian for credit card applications.Lloyds use Equifax for credit card applications.Lloyds use TransUnion for credit card applications.
NationwideNationwide use Experian for credit card applications.Nationwide use Equifax for credit card applications.Nationwide use TransUnion for credit card applications.
NatwestNatwest use Experian for credit card applications.Natwest use Equifax for credit card applications.Natwest use TransUnion for credit card applications.
Royal Bank of Scotland (inc Ulster Bank)Royal Bank of Scotland (inc Ulster Bank) use Experian for credit card applications.Royal Bank of Scotland (inc Ulster Bank) use Equifax for credit card applications.Royal Bank of Scotland (inc Ulster Bank) use TransUnion for credit card applications.
Sainsbury'sSainsbury's use Experian for credit card applications.Sainsbury's use Equifax for credit card applications.Sainsbury's use TransUnion for credit card applications.
SantanderSantander use Experian for credit card applications.Santander use Equifax for credit card applications.Santander use TransUnion for credit card applications.
TSBTSB use Experian for credit card applications.TSB use Equifax for credit card applications.TSB use TransUnion for credit card applications.
VanquisVanquis use Experian for credit card applications.Vanquis use Equifax for credit card applications.Vanquis use TransUnion for credit card applications.
Virgin MoneyVirgin Money use Experian for credit card applications.Virgin Money use Equifax for credit card applications.Virgin Money use TransUnion for credit card applications.
Yorkshire Bank & Clydesdale BankYorkshire Bank & Clydesdale Bank use Experian for credit card applications.Yorkshire Bank & Clydesdale Bank use Equifax for credit card applications.Yorkshire Bank & Clydesdale Bank use TransUnion for credit card applications.
Mortgage Lenders
Co-operative BankCo-operative Bank use Experian for credit monitoring.Co-operative Bank use Equifax for credit monitoring.Co-operative Bank use TransUnion for credit monitoring.
HalifaxHalifax use Experian for credit monitoring.Halifax use Equifax for credit monitoring.Halifax use TransUnion for credit monitoring.
HSBCHSBC use Experian for credit monitoring.HSBC use Equifax for credit monitoring.HSBC use TransUnion for credit monitoring.
NationwideNationwide use Experian for credit monitoring.Nationwide use Equifax for credit monitoring.Nationwide use TransUnion for credit monitoring.
NatwestNatwest use Experian for credit monitoring.Natwest use Equifax for credit monitoring.Natwest use TransUnion for credit monitoring.
Norwich & Peterborough BSNorwich & Peterborough BS use Equifax for credit monitoring.
Royal Bank of ScotlandRoyal Bank of Scotland use Experian for credit monitoring.Royal Bank of Scotland use Equifax for credit monitoring.Royal Bank of Scotland use TransUnion for credit monitoring.
SantanderSantander use Experian for credit monitoring.Santander use Equifax for credit monitoring.Santander use TransUnion for credit monitoring.
Skipton BSSkipton BS use Experian for credit monitoring.Skipton BS use Equifax for credit monitoring.Skipton BS use TransUnion for credit monitoring.
TSBTSB use Experian for credit monitoring.TSB use Equifax for credit monitoring.TSB use TransUnion for credit monitoring.
Yorkshire BSYorkshire BS use Experian for credit monitoring.Yorkshire BS use Equifax for credit monitoring.Yorkshire BS use TransUnion for credit monitoring.
Mobile Providers
BTBT use Experian for credit card applications.BT use Equifax for credit card applications.
Carphone WarehouseCarphone Warehouse use Experian for credit card applications.Carphone Warehouse use Equifax for credit card applications.
EEEE use Experian for credit card applications.EE use Equifax for credit card applications.EE use TransUnion for credit card applications.
O2O2 use Experian for credit card applications.O2 use Equifax for credit card applications.O2 use TransUnion for credit card applications.
Tesco mobileTesco mobile use Experian for credit card applications.
ThreeThree use Experian for credit card applications.Three use Equifax for credit card applications.Three use TransUnion for credit card applications.
Virgin MobileVirgin Mobile use Equifax for credit card applications.
VodafoneVodafone use Experian for credit card applications.Vodafone use Equifax for credit card applications.Vodafone use TransUnion for credit card applications.
Banks and Building Societies
Danske BankDanske Bank use Experian for credit card applications.
First DirectFirst Direct use Experian for credit card applications.First Direct use Equifax for credit card applications.First Direct use TransUnion for credit card applications.
HalifaxHalifax use Experian for credit card applications.Halifax use Equifax for credit card applications.Halifax use TransUnion for credit card applications.
HSBCHSBC use Experian for credit card applications.HSBC use Equifax for credit card applications.HSBC use TransUnion for credit card applications.
LloydsLloyds use Experian for credit card applications.Lloyds use Equifax for credit card applications.Lloyds use TransUnion for credit card applications.
MBNAMBNA use Experian for credit card applications.MBNA use Equifax for credit card applications.MBNA use TransUnion for credit card applications.
MonzoMonzo use Experian for credit card applications.Monzo use Equifax for credit card applications.
NationwideNationwide use Experian for credit card applications.Nationwide use Equifax for credit card applications.Nationwide use TransUnion for credit card applications.
NatwestNatwest use Experian for credit card applications.Natwest use Equifax for credit card applications.Natwest use TransUnion for credit card applications.
Post OfficePost Office use Experian for credit card applications.
RevolutRevolut use Experian for credit card applications.Revolut use Equifax for credit card applications.Revolut use TransUnion for credit card applications.
Royal Bank of ScotlandRoyal Bank of Scotland use Experian for credit card applications.Royal Bank of Scotland use Equifax for credit card applications.Royal Bank of Scotland use TransUnion for credit card applications.
Sainsbury's BankSainsbury's Bank use Experian for credit card applications.Sainsbury's Bank use Equifax for credit card applications.Sainsbury's Bank use TransUnion for credit card applications.
SantanderSantander use Experian for credit card applications.Santander use Equifax for credit card applications.Santander use TransUnion for credit card applications.
Starling BankStarling Bank use Experian for credit card applications.Starling Bank use Equifax for credit card applications.Starling Bank use TransUnion for credit card applications.
TSBTSB use Experian for credit card applications.TSB use Equifax for credit card applications.TSB use TransUnion for credit card applications.
Ulster BankUlster Bank use Experian for credit card applications.Ulster Bank use Equifax for credit card applications.Ulster Bank use TransUnion for credit card applications.
Virgin MoneyVirgin Money use Experian for credit card applications.Virgin Money use Equifax for credit card applications.Virgin Money use TransUnion for credit card applications.
Yorkshire Building SocietyYorkshire Building Society use Experian for credit card applications.Yorkshire Building Society use Equifax for credit card applications.Yorkshire Building Society use TransUnion for credit card applications.
Credit Monitoring Services
checkmyfilecheckmyfile use Experian for credit monitoring.checkmyfile use Equifax for credit monitoring.checkmyfile use TransUnion for credit monitoring.
ClearScoreClearScore use Equifax for credit monitoring.
CredAbilityCredAbility use TransUnion for credit monitoring.
Credit KarmaCredit Karma use TransUnion for credit monitoring.
Credit EngineCredit Engine use TransUnion for credit monitoring.
Experian CreditExpertExperian CreditExpert use Experian for credit monitoring.
Equifax Credit Report & ScoreEquifax Credit Report & Score use Equifax for credit monitoring.
MoneySupermarketMoneySupermarket use TransUnion for credit monitoring.
Money Saving Expert (MSE) Credit ClubMoney Saving Expert (MSE) Credit Club use TransUnion for credit monitoring.
TotallyMoneyTotallyMoney use TransUnion for credit monitoring.
TransUnion Credit ReportTransUnion Credit Report use TransUnion for credit monitoring.

Source: Company websites (September 2021)