What effect will being on electoral list have on my credit score

[Deleted User]

I have hardly been on the Electoral list since turning 18, I am now fast approaching 28.

Maybe 1 year out of the 10 I have been registered.

Question is how much of an effect will registering today have on my current score, which as of today stands at 654 with Experian (my previous last score was 576 on 27/12/2007)

I have no debts, meet all payments on time and in full and have lived in current location for 9 months.

Further more, what level of benefit would I see from using a pre-pay card on a regular basis for say 6-12 months?

Joeler

Not being on the electoral register will have a huge impact on your ability to
get credit of most kinds... In fact, I have been told that some lenders will
class this as the first hurdle and just disregard you if you are not on it.

Can't answer on the pre-paid card question, but obviously a full credit card is better if you can get one. Get on the Electoral roll and then apply for a sub-prime option once the credit reference agencies are showing you as registered - this is if you think you will have a problem getting something mainstream.

I got lucky this way with Capital One. Vanquis declined me for some reason.

Good luck.

[Deleted User]

I live with students though, so the benefit of not being on the electoral list and just a lodger in their property means I don't pay council tax... so what is the lesser evil, paying £112 a month more on my own or trying to increase my credit rating... I don't need credit at present, I'm just thinking a few more years down the line when I have enough for a deposit and want a mortgage.

Joeler

£112.00 per person is a lot, how many people do you live with??
It totally depends what you want to do. If the rest of your credit is ok and you don't need to borrow anything until your mortgage, fair enough. But it can stump you on Mobile Phone Contracts/Internet service provider contracts as well as the usual things like loans, credit cards overdrafts etc etc

I have lived with people in the past and still added myself to the electoral role. As long as they are not claiming to be living alone and getting the 25% discount then it wont cause an issue...

Joeler

Just realised full time students dont pay council tax, so I now understand your situ...