Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.



The Current Status of This Year's Annual Canvass

Posted by Paul Anderson-Riley in Electoral Roll on 5 January 2020 - Paul is a Credit Analyst at checkmyfile

If you registered or submitted changes to your Electoral Roll listing towards the end of 2019, the updated information should now be appearing on your Credit Report.

While this information usually takes around one month for the changes to be reflected, in some circumstances it can take as long as three months to appear on your Credit Report.

What is the Annual Canvass?

The Annual Canvass is the yearly audit of voters in UK households and the collation of this data. This is carried out between July and the end of the year, with the new version of the Electoral Roll published by most local authorities on the first Monday of December. As it usually takes Credit Reference Agencies about a month to publish this information, it may not be reflected on your Credit Report until as late as February.

Filling in and returning the Household Enquiry Form is a legal requirement but doing so does not automatically register the names listed on the form to vote. Anyone living at the address whose name is on the Household Enquiry Form but is not already registered to vote will be sent an Invitation to Register form. Alternatively, they can register to vote online at any time.

Since 2014, individuals have been required to register themselves to vote, whereas previously one person in each household was required to register everyone eligible to vote living at that address.

How could this affect my ability to get credit?

Because Credit Reference Agencies update Electoral Roll information in tranches, rather than all at once, the exact date that your Credit Report will reflect the most recent record can vary.

The impact of any delay on your Credit Rating will vary, depending on how it reflects your presence on the Electoral Roll from previous years. If you have been registered in the past, it shouldn’t be an issue as lenders will be able to see this historic information and use it as part of their assessment. If lenders do not have any Electoral Roll confirmation for you at your current address, they may carry out additional verification checks.

Has the Annual Canvass included your 2020 Electoral Roll information?

To see how your Electoral Roll information currently appears to potential lenders, landlords, and employers, or to make sure that it is being correctly reported by your local authority and the UK’s four Credit Reference Agencies, you can try checkmyfile free for 30 days, then for just £14.99 a month after that, which you can cancel online, by phone or by email.

Updated 05/02/2020 by Sam Griffin

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The Electoral Roll has long been a vital and established component of every Credit Report and that remains true today, even in the midst of the unprecedented coronavirus crisis.

Published on 19 May 2020 by Richard Catlin

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Am I On The Electoral Roll? How to Find Out

With the recent conclusion of the Electoral Register’s annual update, it’s vital that you ensure your Electoral Roll information has been added correctly to your Credit Report.

Published on 24 Jan 2020 by Tom Magor

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How do I change my address on the Electoral Roll?

A letter from your local council reminding you to register to vote and asking you to confirm that your details are correct for 2019/2020 should have been delivered some time ago.

Published on 22 Jan 2020 by Sam Griffin

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Not just a vote - The importance of the Electoral Roll

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

Published on 16 Jan 2020 by Paul Anderson Riley

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Electoral Roll: Leaving it to the last minute

The recently confirmed December election is causing a stir for a few reasons. It’s statistically unusual as the first December election in nearly 100 years and the timing has raised questions among voters, previously unconsidered at this time of year, such as ‘how do I register to vote’, ‘when is the deadline’, and ‘how do I check that I’m registered?’

Published on 8 Nov 2019 by Sam Griffin

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

Few things in adult life are more stressful than moving house. The planning, the packing and of course the last-minute panicking about paperwork. Even once you’re in, mountains are quickly made from molehills and before you know it, you’ve lost those tiny keys for the windows – never to be seen again.

Published on 14 Jan 2019 by Ben Ryland

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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

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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

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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

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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

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