Electoral Roll - The Annual Canvass 2016

Posted by Tom Blandford in Electoral Roll on 16 December 2016 - Tom is a Credit Analyst at checkmyfile

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.

Historically, Electoral Roll information has been one of the first things lenders will check when assessing an application. This is even more crucial to smaller lenders who do not obtain credit account information from the credit reference agencies, as they will have much less information to base their decision on.

Ordinarily, Electoral Roll information can take up to 3 months to be reflected on credit report once a council publish a rolling register listing. This takes place throughout most of the year and allows consumers to manually request this information is updated with each of the credit reference agencies if they would like to expedite this process.

At this time of year, each local authority will confirm the residents of each property in order to ensure that the Electoral Roll is up to date for the 2016/2017 register. Although there can be some variations in when each council starts canvassing, typically registrations from September onwards are published once the annual canvass has been completed on December 1st. Rolling register additions are suspended for this period outside of a few local councils who may still provide October updates to the credit reference agencies. Similarly, any consumer that wishes to update their Electoral Roll data manually would be unable to do unless the listing was published before the annual canvass had commenced.

If you have recently registered, then you can check to see if your listing was included in the annual canvass as the confirmation letter/email provided by your council will normally state the date of publish as December 1st.

From December 1st, anyone whose listing has been published will be eligible to vote, however the new listing is usually not visible on their credit files until mid-January and up until the beginning of February.

This is mainly due to the sheer amount of information sent to the credit reference agencies - there are four credit reference agencies in the UK that hold Electoral Roll information and each will have to process the new listings for every household in the UK, as well as ending any active listings where the individual no longer resides at an address. Once the information has been processed and is reflected on credit files, it is then visible to prospective lenders and will positively reinforce credit applications.

Due to the significance of Electoral Roll information on credit files, it is particularly important to ensure that this information is reported correctly by monitoring your credit files. Even if you are previously registered, it is equally important to make sure that your active listing is still showing as active on the agencies records. As lenders will derive stability from Electoral Roll information, previous entries will also contribute more to your credit score than they did the year before due to the length of time the information will be reported.

Finally, if you have not yet registered to vote then it is not too late, however it is worth noting that any new additions would likely be added once all the data from the annual canvass has been processed by the agencies, so it could take a while to show correctly on your credit report.

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