Consumer credit account information sharing (CAIS)

- Access information on the vast majority of the UK’s active credit population by reporting consumer credit data to Experian

What is CAIS?

CAIS is a data sharing network that gathers data from and collects over 500 million credit accounts a month making CAIS one of the largest sources of UK consumer credit commitments.



Join the data sharing network

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.


Access behavioural data

As a CAIS member, you also have the option to share – and gain access to – additional behavioural data gained from credit and store cards. This provides a robust means of identifying customers showing signs of over-indebtedness or financial stress.


Help to protect your business

With access to this data you will have a better chance of protecting your business against bad debt and fraud, and you can ensure you lend responsibly, to people who are financially stable enough to pay you back.

Access to the CAIS database enables you to:

1. Make responsible lending decisions by reviewing existing financial obligations
2. Identify consumers with an adverse credit history
3. Make appropriate authorisation, limit management and recovery decisions
4. Verify applicants’ personal details
5. Enhance collections strategies


Help customers to improve their Experian Credit Report

By reporting you can help your customers throughout their financial journey by helping to build a complete credit history.


Align with industry best practice

Already supplying data to another CRA? Whilst credit data reporting is voluntary, you can align with best practice by reporting to more than one Credit Reference Agency to help ensure the consumer is represented consistently across the market.

How do I become a CAIS member?

It’s easy to become a CAIS member, simply contact us, using the form to the right of this page and one of our friendly experts will contact you to help you through the journey.

Take a look at the handy diagram below to see the simple steps to become a CAIS member:

how to become a cais

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CAIS Member Portal

Your source for the latest CAIS guidance, advice and information.

CAIS Member Portal

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