Not just a vote - The importance of the Electoral Roll

Posted by Paul Anderson Riley in Electoral Roll on 5 May 2016 - Paul is a Credit Analyst at checkmyfile

Research undertaken by credit provider Aqua found that only one in five adults between the age of 18 and 24 are registered on the Electoral Roll. More worryingly, they also found that none of those surveyed believed that the absence of this listing could impact a credit application.

The Electoral Roll not only allows you to vote but also helps you when applying for credit. Many lenders will look for an Electoral Roll listing to verify your name and address and in some cases assess stability. For this reason, many credit applications are declined where there is no Electoral Roll listing available. If you are looking to increase your score and are not currently registered on the Electoral Roll this a step you can take to further your credit worthiness.

To register on the Electoral Roll you can do this - if eligible to vote in the UK - at the following website gov.uk/electoral-register/overview

It is also important to ensure you are registered under your full name and at your current address in the correct format. Any slight variations in name and address formatting can result in information not being returned, so a standardised format should ideally be used across accounts, applications and Electoral Roll listings. Any difficulties in obtaining the Electoral Roll listing could also mean difficulties in locating a full credit report. Unless a lender is certain they have access to your full credit report, they may not be able to accept your application on the basis of limited data.

You can check your report through checkmyfile.com to see if your Electoral Roll entry is being reflected correctly and being linked to your score.

Landlords and employers who do not have access to your full credit report will usually access public Electoral Roll data. They can use this data with court and insolvency registers to evaluate job and rental agreements applicants. As this is one of only three widely used components that landlords and employers use, the Electoral Roll can have an important role to play in these types of applications.

Check Your Electoral Roll Status with your Multi-Agency Credit Report

30 Day Free Trial

The Current Status of This Year's Annual Canvass

Has your electoral roll information been included in the 2018/2019 annual canvass?

Depending on where you live, you may have noticed a Household Enquiry form for the 2018/2019 Electoral Roll as part of the Annual Canvass dropping through your post box.

Published on 20 Jul 2018 by Paul Anderson-Riley

Full Article

Am I On The Electoral Roll? How to Find Out

See if you're on the 2018 Electoral Roll

In addition to providing the ability to vote, being registered on the Electoral Roll (sometimes called the Electoral Register) is of vital importance when it comes to your credit rating and how you'll be assessed. An Electoral Roll listing is often considered 'the hook on which all other data hangs' and therefore plays a key role in establishing a strong credit file.

Published on 8 Jan 2018 by Tom Magor

Full Article

Keeping your electoral roll up-to-date after moving house

There is nothing more stressful than moving house. The planning, the packing, the panicking. Trying to find those tiny keys for the windows - I’m sure I saw them once when first moving in and never again.

Published on 27 Feb 2017 by Ben Ryland

Full Article

Electoral Roll - The Annual Canvass 2016

Your Electoral Roll entry is one of the most important elements of your credit file. Lenders place a lot of weight in the presence of an active Electoral Roll listing and can decline applications solely on the absence of this information if it is not returned on a credit search.

Published on 16 Dec 2016 by Tom Blandford

Full Article

Only 7 days to register to vote

I doubt that I’m the only person to feel that the news surrounding the EU Referendum is overwhelming, confusing and more than a little biased. But whilst you try to make up your mind about whether to stay in or leave the EU, there is one thing that is certain – you’ll need to be registered to vote at your home address.

Published on 1 Jun 2016 by Kelly Luff

Full Article

Service voters and the Electoral Roll

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

Published on 7 Mar 2016 by Ben Ryland

Full Article

Annual Canvass 2015 – make sure you register

Not registered to vote at your current address? If you are being declined credit then this may have something to do with it – so what better time to resolve this than the 2015 Annual Canvass.

Published on 16 Sep 2015 by Ben Tumilty

Full Article

Electoral Register sees decrease of nearly one million voters

The Electoral Commission have released figures detailing a fall of 920,000 registrations in the past year. The 2% reduction in the voter registration occurred between March and December 2014, which critics have blamed on the ways in which people are now able to register, as old systems have either been restricted or replaced entirely.

Published on 16 Apr 2015 by Jasmin Stopford

Full Article

Electoral roll annual canvass is underway

It’s that time of year again (and no, I’m not talking about Christmas) - the Electoral Roll Annual Canvass is underway. Whilst it can take up to three months for electoral roll listings to be reflected by the credit referencing agencies at any other time of the year, during the latter part of each year it can take longer to show this information on your credit report, due to the Annual Canvass.

Published on 3 Dec 2014 by Kelly Luff

Full Article

Changes to electoral registration

You may not be aware of this, but the Electoral Roll registration system is changing. Previously, one person in each household was responsible for registering everybody on the Electoral Roll who lives at that address but this is no longer the case.

Published on 9 Jun 2014 by Ben Tumilty

Full Article
keyboard_arrow_left

keyboard_arrow_right

We have loads of great customer reviews