A good starting point, this document talks through the onboarding process, CAIS access levels, industry regulations and membership requirements.
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This consumer-facing guide shows you how your customers will interpret the data you hold on them.
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All CAIS members agreed to supply monthly updates to their data file. This document outlines the correct format, helping you to ensure data files are complete, fair and accurate.
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Some extra guidance for reporting CAIS data for customers with a British Forces Post Office (BFPO) address.
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Some extra guidance for reporting CAIS data if you’ve sold on a customer record to another company or Debt Collections Agency (DCA).
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All new CAIS members must load a test file of data within three months of joining. This diagram shows the process for submitting a test data file.
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An Active Without Update (also referred to as AWU) is an open record that has not received an update on the most recent input file and has not been correctly closed. Please download our guide to AWUs here.
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Before your data goes live, as a new CAIS member you'll need to go through a test process to pick up on any potential issues with the data and formatting. This is an example of the test report.
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Produced by Steering Committee on Reciprocity (SCOR), these guidelines give best-practice for the provision and quality of shared data.
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Produced by the Information Commissioner's Office (ICO) in collaboration with the credit industry, these principles set out which information about arrears, arrangements and defaults are filed with the CRAs.
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Data Processing & Loading:
Data Quality:
Data Processing & Loading:
Data Quality:
If you can't find what you need, please get in touch via email at Cais.Control@experian.com
Experian working with UK Finance, have made changes to the fair processing notices that will be used for credit account information sharing. This can be seen in the CRAIN notification document that can be found below.