Our data sharing programmes

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Exchanging information that benefits us all

Why share information with us?

Organisations who share their data with us can benefit from access to the same level of information from other suppliers. This gives you a more complete view of your customers and applicants, which can help you to lend more responsibly, avoid over-commitment and bad debt, prevent fraud and money laundering, and recover debts.

There are a few different ways organisations can share data with Experian.

Consumer CAIS

CAIS is our shared database of consumer credit history. Over 550 CAIS members – including banks, lenders, insurers, and utility and telecoms companies – share data on all their customers’ credit accounts and account behaviour from the last six years.

In return, members benefit from access to Experian’s consumer credit information under a set of guidelines known as the Principles of Reciprocity.

CAIS is the largest source of UK consumer credit commitments, with information on the vast majority of the UK’s active credit population. We gather data from virtually every major lending organisation in the UK and collect over 490 million credit accounts a month.

Commercial CAIS

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. Learn the benefits about CAIS here

This is our record of consumers’ previous credit applications. When a consumer asks an organisation for any kind of loan or credit, the organisation will carry out a credit check, asking one or more credit reference agencies for that person’s credit information. We keep a record of every credit check for 12 months, whether or not the application for credit was successful.

Many of our clients chose to provide us with more data – an enhanced search, known as ECAPS – so that they can receive products and services containing the same data from other lenders. This provides further information, such as the reason for the search, consumer’s income, contact details and household information, such as number of dependants and residency status.

Banks, building societies and basic bank account providers can share current account debit and credit data, which can be used to help validate income, assess affordability and manage risk. Following the Principles of Reciprocity, organisations that share data in this way gain access to the same level of data that they contribute.

The Rental Exchange incorporates a tenant's payment history in their credit file. The idea is that, by observing rental payment data in the same way we view mortgage payment data, we can unlock a range of benefits for tenants, housing providers and credit providers.

Our analysis shows that, used alongside credit file information, the Rental Exchange will give three quarters of tenants a credit ratings boost.

Data can be provided in one of two ways:

  • Social housing tenants’ landlords can provide their rental payment record to Experian.
  • Private renters can sign up to Credit Ladder, a rent collection agency, who’ll channel rent payments to the landlord on the same day and share this payment history with Experian.

CCDS is a government initiative aiming to stimulate the economy through improved access to lending for small and medium-sized businesses(SMEs), by making credit account performance information from the major banks available to challenger banks and alternative finance providers. It was enacted by the Small Business Enterprise and Employment Act 2015 (SBEE) and came into effect on 1 April 2016.

Trade credit is business to business credit for trading purposes. Goods or services are purchased on an account and the supplier is paid at a later date, usually 30, 60, or 90 days. A sales ledger contains the individual accounts of each customer who has bought goods on trade credit. It contains a record of sales, showing the amounts owed and paid by customers. Payment Performance is our free sales ledger data sharing scheme.

Find out more about our Payment Performance Programme here or contact us to discuss becoming a member.