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.

Article by Ben Ryland - 14th January 2019

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.

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 before you need to start organising utilities, council tax and informing everyone of your new address. Quite possibly the last thing on your mind is your Electoral Roll status – but it probably shouldn’t be, especially if you’re planning on taking out credit any time soon.

Why is it so important to update my address?

As you probably discovered when going through the house buying process, being registered on the Electoral Roll is crucial to your Credit Report and to your chances of getting accepted for credit.

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 and implies a level of stability in your life from the fact you are permanently registered at an address. They can also use this information to see if your other accounts are all registered at the same address.

Keeping your Electoral Roll listing updated will help ensure your Creditworthiness isn’t affected as direct a result of your move, and that you shouldn’t have trouble the next time you want to apply for credit (provided there hasn’t been a major change in your circumstances).

After inputting a few of your details, your local Electoral Roll office will notify you if your registration has been accepted. Your details will then also be passed on to the Credit Reference Agencies, who will then update this on your Credit File.

How long does it take to update my address?

Registering at your new address for the Electoral Roll is quick, taking less than 5 minutes if you register to vote online. The sooner you register, the sooner your listing can be added, with the exception to this being if you register to vote during the Annual Canvass period. The Annual Canvass takes place between July and December each year, during which time no electoral roll information is published.

Find out if the Annual Canvass is underway

Typically once Electoral Register information has been published, it can take up to three months for your listing to appear on your Credit Report, though in many cases this happens within one month.

Anything else I should know?

Contrary to popular misconception, paying council tax at your new home doesn’t automatically enroll you on the Electoral Register. They are separately held records at the local council and being on one won’t necessarily mean you’re on the other.

When you register to vote, remember that you can opt out of the Open Register if you would prefer not to receive marketing letters addressed to you at your new address; this will not affect your Electoral Roll listing as it appears on your Credit Report, or ability to take out credit. If you wish to do this but did not tick the box when registering to vote, you can opt in or out at any time online.

It might also be worth your while notifying the Electoral Roll office for your previous council (if you switched during the move) to make sure you have been removed from the register under your old address. When you register at your new address your new council should make sure that your old listing is removed on your behalf, but it might also be worth checking for ‘belts and braces.’

Once you’ve registered at your new address, you can see if your Electoral Roll listing has been updated by checking your Credit Report. If you haven’t already, you can try checkmyfile free for 30 days, then for £14.99 a month afterwards, which you can cancel online, by phone or by email.

You’ll get access to the UK’s most detailed Credit Report, including information on your Electoral Roll status is being reported by the UK’s four Credit Reference Agencies.

The UK's First Provider Of Online Credit Reports

Launched 20 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Article by Paul Anderson-Riley

16th September 2020

How To Download And Print Your Credit Report

There are several different reasons you might need to print or share a copy of your Credit Report, such as assisting a mortgage advisor during an application, showing a specific entry to a lender, or even just to keep a physical copy for your personal records.

Read More

Article by Tom Magor

24th January 2020

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.

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Article by Jamie Mackenzie Smith

7th November 2019

Do I Have a CCJ? How To Find Out

If you have a County Court Judgment (CCJ) in your name, it can have a serious impact on your Credit Score and ability to borrow for the entire time it is active, as well as potentially affect the outcome of the checks carried out by prospective employers, landlords and insurers.

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