As a CAIS member, you contribute data on all your customers’ credit accounts and account behaviour from the last six years. In return, you get access to the equivalent data from over 400 banks, lenders, insurers and utility and telecoms companies – virtually every major lending organisation in the UK.

Functionality that delivers your goals

CAIS is a membership driven data sharing network that collects and distributes credit data on both Consumer and Commercial accounts. Consumer CAIS offers around 550 million credit accounts per month making CAIS one of the largest sources of UK consumer credit commitments. Commercial CAIS is a shared database of around 18 million commercial credit accounts' credit history maintained by Experian. All major financial institutions and creditors engaged in commercial lending activities will share details of their business customers' credit commitments and how they’re performing within them. In addition Experian has access to Commercial Credit Data Sharing data of approximately 10 million records from the 9 designated banks which is a very similar model to Commercial CAIS data.

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The benefits at a glance

Make responsible lending decisions by reviewing applicants' existing financial obligations

Avoid lending to consumers and businesses that are over indebted

Identify consumers and businesses with an adverse credit history

Make appropriate authorisation, limit management and recovery decisions

Verify applicants

Enhance collections strategies

Receive enhanced scores and credit ratings

Refine your credit policy and undertake retrospective analysis

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Want to find out more?

Our team are ready to help answer any questions on 0844 4815638 between 9am-5pm Monday to Friday. Alternatively, you can submit your enquiry online and we'll get back to you as soon as we can.

Frequently asked questions

The easiest thing to do is to get in touch with our Acquisition team at newcais@experian.com who can talk you through the process, ensure you meet the eligibility criteria and answer any questions that you may have along the way.

The Acquisition team will explain in full detail as there are differences between Consumer and Commercial requirements but you would be expected to hold an ICO Data Protection registration, be FCA registered for the correct products and update your privacy policy to reference the Credit Reference Agency Information Notice that describes how consumers' data could be used.

Get in touch to find out how CAIS can help your business

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Further reading