Vote ineligibility note on credit file

ibyvana

Hi, I'm not eligible to vote as I'm not a UK/EU citizen and I want to add a note to my CF to explain that. Is "Not eligible to vote. Non-citizen" enough or should I add more details?. What proof do I need to send credit agencies?.

Tried to contact the agencies directly but couldn't get an answer as apparently I need to be a paid member to get to a customers service rep.

[Deleted User]

Don't add the notice of correction.

It will only serve to make it slightly more difficult to get credit than it currently is.

PixelPound

how long are you intending to stay in the UK? Creditors may have a problem in case you are returning overseas before paying credit off. Is it just your "score" that you are wanting to put notification for, or because you need credit. Putting a note will delay any applications and not necessarily make it better. Do you want to say "Hi I'm not an UK/EU resident so no guarantee that I won't leave the country never to return before I repay what you lend me and be outside jurisdiction of UK law in terms of recovering the money"

ibyvana

I have 2 subprime CCs (aqua & Capital One) + PayPal Credit with a combined credit limit of £9500. I use them to pay for everything and then pay the full balance at the end of each month and I'm also registered with Credit Ladder. I also have a 3 y/o CCJ (satisfied). I was hoping to get a card with a bit of cashback and no foreign transaction fees and thought maybe adding a note will help improve my chances.

[Deleted User]

If you're hoping to get a better card, definitely don't add the note.

Just build good history with your existing cards and wait for the CCJ to drop off.

PRAISETHESUN

I'd only recommend adding the notice if you're struggling to get any credit. Since it seems you are able to get credit without it then I wouldn't bother. The defaults/CCJs are going to have WAY more impact than not being on the ER anyway.