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.

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.

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.

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.

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?’

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.

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.

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.

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

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.