Service voters and the Electoral Roll

Posted by Ben Ryland in Electoral Roll on 7 March 2016 - Ben is a Senior Credit Analyst at checkmyfile.

Whether you choose to exercise your right to vote or not, everyone is required to register on the Electoral Roll in the UK.

During the autumn months every household is required to check they are still registered on the Electoral Roll or apply to go onto the Electoral Roll in a process known as the ‘annual canvass’. This is a way for everyone to ensure they are registered to vote and also so that it can be updated on your credit file.

With the Electoral Register still an important element of your credit file and a useful tool in checking your identity, for certain types of voter it can be a hassle for their registration to be picked up.

For many financial companies part of the name and address confirmation process is made up of checking if you are registered on the Electoral Roll at your current address. This is where it can become a problem for members of the Armed Forces. Often based abroad and moving from base to base regularly, keeping a consistent credit file with the correct addresses can prove difficult and the Electoral Roll registration is not simple for those based overseas.

Members of the Armed Forces can apply to go onto the Electoral Roll as a service voter if they are out of the UK by completing the Service voters form. When completing this form, a service voter will be asked for the address they would normally be living at if they were not away on Service and this address would be used for the Electoral Roll register and the listing on their credit file as well.

This can mean a parents address may be used as the Electoral Roll address, and service voters would be advised to register their credit agreements at the same address in order for the information to be easily accessible when their credit file is searched for any reason.

Service voters do also have the option to provide a contact or nominal address when completing the registration form instead of a set residential address which they would normally use in the UK. Unfortunately this is where the problem lies – if a Service voter uses this contact address they will still be registered on the Electoral Roll (under ‘Other Electors’) but this listing would not be displayed on their credit file.

This is because these contact addresses are not provided to the credit reference agencies. Without an Electoral Roll listing on your credit file you can encounter problems where you apply for credit, as applications can be delayed or possibly refused based on not appearing on the credit file version of the Voters Roll.

If you are registering for the Electoral Roll as a Service voter, you should think carefully about which bit of the form you complete with your address. A nominal or contact address can really cause problems if you apply for credit while based overseas. If you are unsure if your Electoral Roll listing is on your credit file why not check now using our free 30 day trial.

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