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.

Electoral Roll

What is the electoral roll (electoral register)?

The Electoral Roll (sometimes called the Electoral Register or Voters’ Roll) is the record held by your local authority which shows whether you are eligible to vote in various types of election. It is an important piece of information in the world of credit as it is used as an index for credit reports, in the absence of any other national database of UK residents.

When registering to vote you are also given the option of appearing on the Open Register (also known as the Edited Register) which can be bought by any person, company or organisation. For example, it can be used by businesses and charities to confirm name and address details. Choosing to not appear on the Open Register doesn’t affect your right to vote and helps keep your basic identification details private, so opting out of the Open Register can help reduce the (remote) possibility of falling victim to identity fraud.

You can see your electoral roll listing by checking your credit report. If you haven’t already, you can try checkmyfile FREE for 30 days, and then for just £14.99 a month afterwards. You’ll be given complete access to the UK’s most detailed credit report, with information from 4 Credit Reference Agencies, not just 1.

Q: How does it affect my credit rating?

A: If you’re registered to vote at an address it tells lenders you have a permanent or semi-long term residence, so it’s easier to send letters and carry out legal proceedings if you do have difficulty with repayments. As such you’re likely to get a much higher credit score if you’re registered to vote.

Q: How often is the register updated?

A: During the rolling register, updates are usually published once a month, but it can take up to three months. August to the end of November is the Annual Canvass period, during which time it can take even longer for your electoral listing to show, and may not appear on your Credit Report until early the following year.

During this period, no monthly registers are posted.

Q: Is it illegal to not be on the electoral roll?

A: It isn't against the law to not be registered to vote. But if you meet the voting criteria and you’re asked in person or by post to register by your local Electoral Registration Office, failing to comply can result in an £80 fine.

Q: Which Credit Reference Agencies report Electoral Roll information?

A: All four of the UK's Credit Reference Agencies report your Electoral Roll listing, which means when you look at your checkmyfile Credit Report, you'll be able to see how your status is being reported by Crediva, Equifax, Experian and TransUnion.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.