Electoral Roll more important than you think

Posted by Ian Carpenter in Electoral Roll on 12 January 2012 - Ian is Operations Director at checkmyfile

During these uncertain economic times, lenders remain wary of the threat of bad debt, which caused so many problems at the start of the last recession. While lenders’ appetite to lend has shown signs of recovering, greater precautions are still being taken and the Electoral Roll is central to proving your stability as a prospective customer. It is a key indicator of your stability, helping lenders to verify your existence at an address, as well as often being the ‘hook’ upon which all other information is held, when your details are searched during the crucial credit checking part of your application.

Every year, on 1 December - following the annual canvass by your local council - each of the credit reference agencies purchases the Electoral Roll information, which is then uploaded to their database over a period of around 4-6 weeks. This is typically when your Electoral Roll status is updated on your credit file, although manual updates can be requested throughout the year.

Checking your credit file is the only way to ensure that your Electoral registration details have been correctly updated by the agencies. Discrepancies and errors are commonplace, and can result in lenders failing to match your details when they run a credit search, or returning wrong information about your Electoral Roll status, which can cause your credit applications to be declined.

5 simple checks can help to to ensure that your credit applications are not held back by your Electoral Roll status

  1. Make sure that your Electoral Roll status and your credit accounts are reported in exactly the same address format
  2. Check that the address format of your Electoral Roll confirmation is the same as reported on Royal Mail’s Postcode Address Finder (PAF) database – check here.
  3. Ensure that there are no discrepancies in the format of your name, or address, held by the agencies
  4. Ensure your Electoral Roll status is correctly reported with each credit reference agency
  5. Check the start date of your Electoral Roll confirmation is correct – the longer you have been registered, the better

The Multi Agency Credit Report Subscription is the only service where you can check your Electoral Roll status with Experian, Equifax and Callcredit in one place. Access all of the important information in an easy-to-understand format, and get expert advice and support on addressing any problems. Our service is free for the first 30 days, and then just £9.99 per month.

Am I On The Electoral Roll? How to Find Out

In addition to providing the ability to vote, being registered on the Electoral Roll is of vital importance when it comes to your credit rating and how you'll be judged. 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 2 Jan 2018 by Tom Magor

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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.

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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.

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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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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.

Published on 5 May 2016 by Paul Anderson Riley

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

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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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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

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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

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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

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