CAIS stands for Credit Account Information Sharing and is pronounced ‘keys’.
CAIS is the brand name given to the database of credit history maintained by Experian. The Equifax equivalent is Insight and the Callcredit equivalent is Share.
How you conduct a credit account is recorded monthly and forwarded by 200 or so lenders, phone companies and other companies and is shared with all others who do likewise, so that a better informed decision can be made when you apply for credit. Because CAIS data is owned by the lenders, the use of it is governed by the Principles of Reciprocity, under a supervisory committee called SCOR (Standing Committee on Reciprocity).
checkmyfile reports do not contain CAIS data, but because lenders tend to send the monthly updates to more than one agency, most if not all of your credit reports are likely to be reported on the Insight and Share databases shown on checkmyfile reports with Equifax and Callcredit data.
Use the links below to locate the term you are looking for. If you can't locate it, please get in touch.