Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CAIS

What does CAIS mean?

CAIS stands for (Consumer) Credit Account Information Sharing, pronounced ‘keys’.

CAIS is the brand name given to the shared database of credit history maintained by Experian.

This information is shared with your consent, which is normally required whenever 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 goneaways.

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 (Steering Committee on Reciprocity). Each member must supply information on the payment performance of its customers in order to access the information provided by other members.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.

A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z