You will receive a Household Enquiry Form to remind you of this, usually around September or October. When applying for credit, it is important to use the address as it appears on your Electoral Roll listing , as this is one of the key pieces of information used by lenders to verify you are who you say you are. That's why it's important to check your address carefully when registering to vote. It typically takes between one and three months for a listing to automatically be reflected in data held by the UK's Credit Reference Agencies.
In some circumstances, this process can be helped along if you can present a written confirmation letter from your council stating that you are registered at your current address. The exception to the above is the Annual Canvass. This process occurs once a year and involves local authorities distributing the Household Enquiry Forms mentioned earlier to establish whether everyone at the property that is eligible to vote is registered.
Once the data collection process is complete, the Annual Canvass is typically published on 1 December although there can be some slight variation between local authorities. Due to the sheer volume of information collated, it can take a further month or so for the results to be reflected with the agencies. We regularly update the status of the Annual Canvass so you can see if it is currently in effect. The exception to this is if you are registered to vote anonymously, in which case your Electoral Roll listing will not appear on your Credit Report and will not improve your score.
In this situation you may also struggle to pass credit checks, as it makes it more difficult to verify your identity. If you opt out of the Open Register it will not harm your Credit Score or chances of passing credit checks. In addition to showing whether you appear on the Electoral Roll, your Credit Report will show you how your name and address appears on a credit check, which is an important step to verifying you are who you say you are. If your Credit Report isn't showing your Electoral Roll listing or your name or address is appearing incorrectly, in most instances you should be able to fix this by contacting your local council notify them of the problem.
In some cases, a Credit Reference Agency may incorrectly be missing your Electoral Roll information, and you may be able to solve this by contacting them directly. One of the benefits of checkmyfile's Multi Agency Credit Report is that it allows you to see how your Electoral Roll status is being reported by four Credit Reference Agencies, not just one , so if you're going unreported by anyone it will be quick and easy to spot.
You'll be able to see your Electoral Roll listing as reported by all four Credit Reference Agencies in one easy-to-use format. In this document Registering to vote Who can register to vote? You are here: When will my details be added to the electoral register? How do I find out if I am on the electoral register? How do I opt out of the open register? This can help you avoid identity theft and fraud.
Some employers — particularly those in the financial sector — will use the electoral roll to check your details when you apply for a job. When it comes to your credit rating, getting on the electoral roll is usually an easy way to score points.
However, there are several important things to know before you register to vote:. In England, Scotland and Wales, you can register to vote by post or online. In Northern Ireland, you can register by returning a completed voting registration form. This can reduce the risk of identity theft.
Note that you can register in more than one place, although you can only vote once in each election. However, there are a few exceptions:. Check your credit report to make sure your electoral details have been added accurately. Consider getting a CreditExpert paid subscription if you want to see your report regularly, receive report alerts, get enhanced fraud support, and more.
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