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 Electoral roll information

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Why does my report include electoral roll details?
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Electoral roll information helps companies to confirm your name and address quickly. It means they can check that people live at the address given on their application forms and helps prevent fraud and money laundering. 620


What can I do if I'm not on the electoral roll on my credit report?
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Companies will take electoral roll information at previous addresses into consideration when making a decision. Any monthly updates your council makes to the register will be updated on our records. If you only recently registered on the electoral roll then we may still be updating our records. 538


How do I register on the electoral roll?
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To add your name to the electoral roll at your current address contact your local authority and ask for a registration form. To register you need to be:

Click here for more information about registering to vote. 521


Can I be added to the electoral roll if I recently moved?
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Yes. If you recently moved ask your local authority to add your name to the electoral roll at your new address. They will then tell us so we can update your report.

Click here for more information about registering to vote. 621


How quickly can my name be added to the electoral roll?
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The electoral roll is updated on a monthly basis unless the yearly annual canvass is underway, when all households have to register. We receive monthly changes from Local Authorities and these should be amended within 28 days.

Click here for more information about registering to vote. 622


Why aren't the other people at my address shown on the electoral roll?
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Your credit report only shows information about you. If other people are recorded on the electoral roll at your address, we will hold this information and lenders will be able to see this if it is relevant to a credit application they receive. 539


What should I do if I don't agree with the electoral roll information on my report?
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If you have registered recently, we are probably in the process of updating our records. If you think the electoral roll has been published incorrectly contact your local authority directly. If you've already done so and have documentation from the local authority confirming an amendment to the electoral roll, forward this to all credit reference agencies. Once we receive it, we will update your report. Click here for contact information for other credit reference agencies.

The electoral roll information we hold does not show the exact dates of residency but the dates your name was registered by the Local Authority. 537


Was I turned down for credit because my name isn't on the electoral roll?
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It is possible, although lenders don't tell us why they refuse applications. Lenders use the electoral roll to help check your name and address when you apply for credit. Companies also take account of electoral roll information at your previous addresses when you apply for credit.

Only the lender you applied to knows why your application was refused. They will be able to tell you the main reason. 623