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.

Annual Canvass

What is the annual canvass?

The Annual Canvass is a yearly process undertaken to update the Electoral Register held by each local authority. The new Register of Electors (those registered to vote) is typically published on the 1st of December each year.

Most local authorities will send a Household Enquiry Form between July and December to update these details if required. It is your legal duty to ensure that all the information on this form is correct, or risk a £1,000 fine. Even if there are no changes to be made, you are obliged to confirm this online, by phone or by post.

This process can sometimes delay your Electoral Roll listing being reflected on your Credit Report, so some lenders may look for other methods to verify your address during this period when you make an application.

Electoral Roll listings published after the 1st of September will often be included in the Annual Canvass meaning these will not be published until December 1st. It can take up to 3 months from the date of publish for an Electoral Roll listing to be reflected on your credit report. Typically when the Credit Reference Agencies get this information from each local authority, it can take a month for them to publish the change, meaning that it can take an additional month before you can see it appearing on your Credit Report.

Q: I updated my details on the Household Enquiry Report, but the changes haven’t appeared on my Credit Report

A: Any changes to your Electoral Roll listing may not appear on your Credit Report until the end of the Annual Canvass period.

Q: When is the Annual Canvass?

A: The annual canvass takes place between July and December of each year.

Q: How can I check to see my current status?

A: You can check your current electoral roll status whenever you like by checking your Credit Report. Your checkmyfile Credit Report takes data from 4 Credit Reference Agencies, not just 1, so you can see what lenders see whichever Agency they use.

If you haven’t already, you can try checkmyfile FREE for 30 days, then for just £14.99 a month afterwards, which you can cancel online at any time.


Jargon Buster

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