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. Founded in 1999, Credo Reference provides full-text online versions of over 3,500 published reference works from more than 100 publishers in a variety of major subjects. These include general and subject dictionaries as well as encyclopedias. The company's customers are libraries, library systems, k-12 schools, and universities, which subscribe to the service for their patrons' use.
In 2010, a review of general reference sources by Library Journal focused on Credo Reference and three similar services. The review noted Credo Reference's internal linking within the site from one reference work to another.
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