GAIN stands for the Gone Away Information Network. It is a trade organisation that shares details of customers who have had statements and other correspondence returned undelivered by the Post Office, marked ‘gone away’. Credit reference agencies and lenders who are members of this network share information on customers who have moved home and left behind a credit account, such as a credit card which is at least 30 days in arrears, without giving their lenders a forwarding address. This information can include both the address the customer has moved from and any address the customer has since been traced to. This information is only available to other organisations who are members of GAIN.
Agencies may be told about any other names you have been known by, or any financial associations you have had, such as joint county court judgements or joint accounts, and your file will show who gave them the information.