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CAIS

Definition of 'CAIS'

Stands for Credit Account Information Sharing - Experian's combined database of the payment history of individuals provided monthly by over 200 lenders to its data sharing club. This information is shared with your consent, which you normally give when you apply for credit. It is used primarily for the assessment of credit applications, in particular to help prevent over-indebtedness, for the prevention and detection of fraud and for the tracing of gone aways.

The Experian CAIS system depends on reciprocity of data provision by member companies. Each member must supply information on the payment performance of its customers in order to access the information provided by other members. This is the credit account information you see when accessing your Experian credit report.

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