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.
CAIS is a membership driven data sharing network that collects and distributes credit data on both Consumer and Commercial accounts. Consumer CAIS offers over 500 million credit accounts a month making CAIS one of the largest sources of UK consumer credit commitments. Commercial CAIS is a shared database of 13.3 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 on them.
Download product sheetMake responsible lending decisions by reviewing applicants existing financial obligations and avoid lending to consumers and businesses that are over
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