Credit file shows not on electoral roll even though I am! What should I do?!

Msuk

I requested my credit file from Experian and it states I am not on the electoral roll: "No Electoral Roll Information available from the addresses provided".

I registered to be on the Electoral Roll a few months ago. This was confirmed to me by my local authority and I also received a voting card for the last general election.

Therefore this has shocked me.

I have been applying for bank current accounts over the last few weeks and, disappointingly, been rejected by all of them. I am already in a weaker position than most people as I have a non UK passport, not even an EU one, and mine is from a country which many financial institutions classify as a 'high risk' one. And then to also mark me as not being on the electoral roll would be another negative when banks check my credit record.

I had some questions please:

- if Experian say I'm not on the electoral roll, is it likely the two other credit reference agencies will state the same thing as well?

- what could have gone wrong?

- how long does it normally take for the records of the credit reference agencies to be updated about somebody being on a local authority's database?

- how may I get this rectified please? How long does it take for the credit records to be corrected?

- last, but not least, is it worth me applying to more banks? Or should I wait until the records are updated, even if it takes many weeks? How fussy are banks about somebody being on the electoral roll please?

Thanks a lot in advance for the advice.

boo_star

Msuk wrote: »

I requested my credit file from Experian and it states I am not on the electoral roll: "No Electoral Roll Information available from the addresses provided".

I registered to be on the Electoral Roll a few months ago. This was confirmed to me by my local authority and I also received a voting card for the last general election.

Therefore this has shocked me.

I have been applying for bank current accounts over the last few weeks and, disappointingly, been rejected by all of them. I am already in a weaker position than most people as I have a non UK passport, not even an EU one, and mine is from a country which many financial institutions classify as a 'high risk' one. And then to also mark me as not being on the electoral roll would be another negative when banks check my credit record.

I had some questions please:

- if Experian say I'm not on the electoral roll, is it likely the two other credit reference agencies will state the same thing as well?

Local government can be a little slow. I registered in March and Noddle only showed it in their May update.

- what could have gone wrong?

Nothing, I imagine.

- how long does it normally take for the records of the credit reference agencies to be updated about somebody being on a local authority's database?

In my experience, a couple of months. I was able to vote however so it's purely a CRA thing.

- how may I get this rectified please? How long does it take for the credit records to be corrected?

You just have to wait.

last, but not least, is it worth me applying to more banks? Or should wait until the records are updated, even if it takes many weeks? How fussy are banks about somebody being on the electoral roll please?

Thanks a lot in advance for the advice.

I wold refrain from making more applications for the time being. Aside from the impact multiple searches may have, you also have the electoral roll issue.