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

Posted by Ben Ryland in Electoral Roll on 27 February 2017 - Ben is a Senior Credit Analyst at checkmyfile.

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.

But once you’re in, you’re in, and can start to relax and enjoy the euphoria of that new home feeling. For all of 5 minutes anyway. Then you need to start the process of setting up the new utilities, organising your council tax and something that is probably quite low down on your list - updating your Electoral Roll details.

Now you may ask, why are you worried about your Electoral Roll details after all the stress of moving?

As you would have found out when going through the house buying process, being registered on the Electoral Roll is a critically important element on your credit file and keeping these records updated following your move will continue to help your credit score. Lenders will look at whether you are on the Electoral Roll as part of the application process – it confirms the address you have given them, it infers that there is stability enough in your life to be permanently registered at an address, and they can also look at your other accounts to ensure that they are all registered at the same place.

Changing your address on the Electoral Register is really easy too, and it takes less than 5 minutes to register online. The government’s central ‘Register to Vote’ online application form will help with the new registration and the sooner you do it the sooner your new listing can be added. Remember to choose the non-marketing version when registering if you want to try and avoid a mountain of junk mail arriving at your new home too.

After inputting a few of your details, the local Electoral Roll office will notify you if your application has been accepted and publish it for the credit reference agencies to update on your file. It will also mean you can vote in local and general elections too (which is its main purpose after all).

While updating your Electoral Roll address is quick, the actual process for it to be updated on your credit file can take some time – this is why it’s best to update your listing as soon as possible once you’ve moved. Oh, and paying council tax on your new home doesn’t enrol you on the Electoral Roll. They are separately held records at the local council and being on one won’t necessarily mean you’re on the other.

Something which I forgot to do after moving was notifying the Electoral Roll office at my last council to remove me from the register under my old address. You can’t guarantee that the new homeowners will notify the council to remove you when the next electoral roll canvass comes around, so doing it yourself is the best option to ensure your address details are up-to-date and as they should be.

Following this easy and pain free process means you keep your Electoral Roll address details up-to-date on your credit file, and could help when it comes to buying the new sofa, TV or any other bits you may need to use credit for in your new home.

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