I am registered on the electoral roll but why does my credit report not show this?

Dear James,

I’m 18 years old and I phoned my local council about the electoral roll and have been told I am on there and was showing up on it. She also gave me a number which she told me everyone has when on the electoral roll, so I tried to apply for an account with additions but it told me I couldn’t get one, so I phoned for advice and was told I wasn’t showing up on the electoral roll. This is the second time I was told this. Please help!! Is there any way I can sort this out!

Louise, Port Talbot

Dear Louise,

I’m fairly certain that the reason your electoral roll details aren’t showing up on your credit report is because you have registered to vote during what local councils call the ‘annual canvass’. This is the period, usually between August and November, when most councils consult all households, update their records and publish new electoral registers. At all other times of the year councils process monthly updates to the electoral roll and send the information to the credit reference agencies. But while the annual canvass is taking place, this process is suspended until the new registers are published on 1 December. Experian and the other credit reference agencies then set about updating their records from the new registers, a process that these days takes just a few weeks. If you’re still waiting to reapply for your bank account, keep a close eye on your Experian credit report. As soon as your electoral roll details appear on your report you will then be able to resubmit you credit application. You can find more detailed information about electoral roll information and credit reports in our electoral register fact sheet. (November 2011)


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