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    Former MSE Natasha
    Not on the electoral roll? You must register to get credit!
    • #1
    • 22nd Feb 08, 5:14 PM
    Not on the electoral roll? You must register to get credit! 22nd Feb 08 at 5:14 PM
    Updated 8 April 2008

    What's this about?

    To get credit, be it a loan, mortgage, credit card or even mobile phone contract, it's essential to be registered on the electoral roll before applying. Many people assume they're automatically registered, or don't bother doing it. Yet not being on the roll will have massive implications on your credit worthiness.

    Plus, for anyone in England and Wales, it's vital to be registered before 16 April if you want to vote in the local elections on 1 May.

    How do I register?

    If you're not registered, or even if you're just not sure, visit the AboutMyVote website and type in your home postcode to find and download your local authority's registration form. Print it, complete it and then simply send to the address at the top of the form. It takes about 3 minutes and you're done!

    Why does it affect my credit rating?

    It's one of many factors that does. Credit reference agencies use electoral roll information to confirm your identity, which is then passed onto lenders when you apply for credit, to prevent fraud. Thus, if you're not on the roll when making an application it'll appear that you don't exist, or you're starting afresh with no credit record; both will have a negative impact.

    To read more about the things that affect your credit history, and how you can go about checking and improving it, read Your Credit Rating guide

    Who can register?

    Although you can't vote or get credit before turning 18, anyone over the age of 16 can register provided they're a British, Irish, Commonwealth or European Union citizen.

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    Last edited by Former MSE Dan; 08-04-2008 at 8:06 PM.
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