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Electoral Register Question
benjamin_4
Posts: 21 Forumite
in Credit cards
Apologies, I see a lot of electoral register questions, but none specifically about this.
I lived and was registered at my parents until 2001 with a good credit history, but didn't maintain an entry on any electoral register whilst away at University since then.
I've now come to apply for a CC for a 0% balance transfer and have been rejected on a number of occasions, presumably because of being missing from the electoral register.
I've filled the form in to be added, but I understand it will take a few months for this to filter through to the reference agencies.
So, my questions are:
- Once I'm added, will I still have problems due to the fact that I've been missing for three years?
- Would adding a note onto my credit reports help?
- How long does it take to filter through the to the CRAs?
Thanks in advance!
Ben
I lived and was registered at my parents until 2001 with a good credit history, but didn't maintain an entry on any electoral register whilst away at University since then.
I've now come to apply for a CC for a 0% balance transfer and have been rejected on a number of occasions, presumably because of being missing from the electoral register.
I've filled the form in to be added, but I understand it will take a few months for this to filter through to the reference agencies.
So, my questions are:
- Once I'm added, will I still have problems due to the fact that I've been missing for three years?
- Would adding a note onto my credit reports help?
- How long does it take to filter through the to the CRAs?
Thanks in advance!
Ben
0
Comments
-
Ben...if the only problem is not being on the electoral register then once you're on you should be ok.
it takes approx 6 weeks, these registers are updated once a month i think.
you can add a note, i did but not sure what difference it makes.
filtering thro the CRA is quite easy, the main two you're gonna have to check is Experian & Exquifax.
Somewhere in here there is a link to both sites to get your report for £2.00 but not sure where it is.
Hope this helps
Jeeves0 -
Are you sure you weren't registered whilst at uni? If you were in halls of residence the university informs the council so you should be on the electoral register.0
-
jeeves wrote:...the main two you're gonna have to check is Experian & Exquifax.
Somewhere in here there is a link to both sites to get your report for £2.00 but not sure where it is.
https://www.experian.co.uk/consumer/index.html
https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit140 -
Why is equifax charging £9.95 for your credit report? I thought it was about £2.00.£2 Coins Savings Club 2012 is £4
.............................NCFC member No: 00005.........
......................................................................TCNC member No: 00008
NPFM 210 -
Scroll down to bottom right of page, and look for...Rikki wrote:Why is equifax charging £9.95 for your credit report? I thought it was about £2.00.
"If you wish to purchase the Statutory Report for £2, See Your Rights to Credit Information." (clickable link)0
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