Credo Reference or Credo (formerly Xrefer) is an American company that offers online reference content by subscription and partners with libraries to develop information-literacy programs or produce library marketing plans and materials.

Xrefer initially provided free access to several dozen reference works.

[6] In 2002, Béla Hatvany, founder of Computer Library Services (CLSI) and Silverplatter, invested in Xrefer and funded the company's transition to becoming an online reference database product for libraries.

[2][7] The company established an office in Boston, MA USA, which would later become its headquarters.

[8] The name Credo Reference was adopted in June 2007; the company also moved its England office from London to Oxford in that year.