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.

What is...

CAIS

CAIS (pronounced ‘keys’) stands for Credit Account Information Sharing, and is the brand name given to Experian’s shared database of credit history.

How do I see my CAIS information?

You can see the credit history that Experian holds for you, alongside your data from the other Credit Reference Agencies Equifax, TransUnion, and Crediva, by viewing your Multi Agency Credit Report with checkmyfile.

If you haven’t already, you can try checkmyfile free for 30 days, then just £14.99 per month, and you can cancel online whenever you like.

How is CAIS information gathered?

CAIS information is shared between lenders and Experian, and is normally required whenever you apply for credit. It is used primarily for the assessment of credit applications – mainly to help prevent over-indebtedness, for the detection and prevention of fraud, and to ensure the lender can make a profitable and responsible lending decision.

The sharing of credit account information is based on the principles of reciprocity which, in short, mean that for a lender to view Experian’s CAIS database, they must in turn share their customers’ credit account information with Experian. This sharing relationship forms the basis of the reciprocal data sharing agreements that lenders, utility providers, mobile phone companies and many more have with the UK Credit Reference Agencies.

The UK's First Provider Of Online Credit Reports

Launched 21 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Related Jargon