What is a credit report
When you apply for credit (including mobile phone, gas and electricity contracts), the provider looks at your Data Self to help them decide whether to approve you. Your Data Self is a version of you that’s made up of your credit history and other information – it tells companies how well you’ve managed your finances in the past.
Lenders must ensure they’ve got a full, accurate picture of your Data Self, so as part of this they need to confirm your identity and address. Being on the electoral roll makes this easier for lenders to do – and it helps protect you from identity theft and fraud too.
You can register to vote online with About My Vote.
Registering to vote – and ensuring that your details are accurately recorded on the electoral roll (electoral register) – can help you get credit and increase your credit score. On top of this, you might also find it easier to:
You can check your credit report whenever you want with Experian CreditExpert, to make sure that your electoral roll information is up to date.
In England, Scotland and Wales, local councils publish their electoral rolls on 1st December each year. These show who is registered to vote at each address.
The information comes from the annual canvass, when councils consult all local households about who is eligible to vote, usually between August and November. If you didn't register at this time (because, say, you moved house in the middle of the year), you can still register using a 'rolling register' form. Councils then update their registers on a monthly basis – and your credit report will also be updated.
In Northern Ireland, councils do not carry out an annual canvass and simply update their registers every month, so the only updates come from the rolling register forms.
Ask your new council straight away to register to vote, and tell your old council that you've moved so they can take you off the register there. You can do this online with About My Vote.
You'll need to wait until the next month for the council to update its roll and for your credit report to be updated. Until it is, you may need to provide extra information if you apply for credit (or any other service that uses the electoral roll to check your details).
Contact Experian's Customer Support Centre. They hold copies of most local councils' electoral rolls, and will be able to investigate. Any necessary changes will be made to your credit report as quickly as possible.
You can add a note called a Notice Of Correction to your credit report explaining that you cannot register on the electoral roll because you are not eligible to vote in UK or EU elections.
A good way to get to know your Data Self is to check your Experian Credit Score by creating a free Experian account.