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.

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