i think they've forgotten to put me on the electoral list...

Deals_2

if i chase them up how long does it take to put me on and when should i apply for a credit card?

Bagger

This is a tricky one. I believe if you move, you need to inform your new council that you need to be enrolled on the Electoral Roll. The best place to start is your Council's website. They normally have a document which you can print out and post to them. If you are not on the Electoral Roll, you may find it difficult to get credit. A colleague of mine thought he was on the Electoral Roll simply because he was paying council tax. He is being constantly rejected for credit cards. I managed to download the relevant paperwork and gave it to him to fill out and post.

Bagger

Phantom_Flan_Flinger

My council only updates the Electoral roll every 3 or 4 months so you may still have to wait once you've put the form in. It should say it on it how long it'll be though.

As above, unless you tell them, you won't be on it.

Moggles_2

Irrespective of where you live, the period before new entries/amendments are added to the electoral roll varies during the calendar year.

It's possible to enrol each month from early December until mid-August, using the rolling register procedure, but there's a blind spot from mid-August till mid-October. This is because a borough-wide audit is undertaken annually in August and the register is updated in October.

Additions made now will not appear until 1 December 2007, unfortunately.

Deals_2

details are only added in December? if you move from one council to the other should i chase up the original council to see what they did with updating things if it is any faster? does one have to wait for the electoral list details to appear on someone like experian before one can apply for a credit card such as Halifax 0%? i have a good rating on experian but shoudl i also view other credit references companies such as equifax too? any tips appreciated. thanks in advance

Moggles wrote: »

Irrespective of where you live, the period before new entries/amendments are added to the electoral roll varies during the calendar year.

It's possible to enrol each month from early December until mid-August, using the rolling register procedure, but there's a blind spot from mid-August till mid-October. This is because a borough-wide audit is undertaken annually in August and the register is updated in October.

Additions made now will not appear until 1 December 2007, unfortunately.

Moggles_2

Originally Posted by Deals
If you move from one council to the other, should i chase up the original council to see what they did with updating things if it is any faster?

Your former council plays no part in this process. Whether or not to register your details on the electoral roll in the neighbourhood where you now live, is down to you.

If you type "electoral roll" and the name of your council into google, you'll be directed to the relevant pages on your local authority website. Most council websites are set up so you can register online or download a form.

Moggles_2

Does one have to wait for the electoral list details to appear on someone like experian before one can apply for a credit card such as Halifax 0%?

You will have disrupted your credit rating temporarily by moving house.
Lenders like stability, so best practice is to apply for credit cards before you move/change banks/change jobs. The fact that you're not yet on the electoral roll at your current address also works against you.

I would strongly advise you to enrol. It's free after all and everyone's credit score improves no end once registered.

The good news is that none of the above affects you permanently. If you type Credit Rating into the search tool above, you'll find lots of info' and tips on the main site. In particular, you may want to read Martin's *How to Manage & Improve your Credit Score* article.

Deals_2

will read Martin's info tomorrow.

Moggles wrote: »

You will have disrupted your credit rating temporarily by moving house.
Lenders like stability, so best practice is to apply for credit cards before you move/change banks/change jobs. The fact that you're not yet on the electoral roll at your current address also works against you.

I would strongly advise you to enrol. It's free after all and everyone's credit score improves no end once registered.

The good news is that none of the above affects you permanently. If you type Credit Rating into the search tool above, you'll find lots of info' and tips on the main site. In particular, you may want to read Martin's *How to Manage & Improve your Credit Score* article.