credit rating - changing address/electoral roll too often

latam2012

Hi, 
Due to personal circumstances I have kept my bank details at my parents' address for the past 6 years, despite not living there. Previously I was registered to vote in a different
borough due to having no fixed abode. I'm starting to think about buying a house and have just registered to vote at my parents,  as that's were all my bank details are. However, due to covid I'm now living at the parents of my partner. So I'm thinking about changing my bank details to my current address and then also registering to vote here. Would it look bad to change my electoral registration so soon?

[Deleted User]

How far into preparing for house buying are you  - if  your bank balances are healthy now that's one large plus factor and differing electoral details shouldn't have too much impact.

latam2012

My accounts aren't overdrawn but they're a bit messy with me moving money about various Monzo cards and primarily using Monzo for day to day spending, so not the neatest.

Yahoo_Mail

What's wrong with, you know, putting your actual address down?

ryan121

I've moved so many times recently and have easily got credit even in the gaps where I've been removed from the electoral roll at a previous address and waiting to be added to the new one. I don't think it matters as much as it's made out to be. There must be a lot of people who don't bother to register to vote and still get credit.

DCFC79

Credit rating is only seen by you and only you, lenders etc see your history.

latam2012

Yahoo_Mail said:

What's wrong with, you know, putting your actual address down?

Not sure why the need for this tone. Why be rude if you can, you know, just not say anything? 

This thread is about registering at my current actual address.  I just wanted to check that it would not impact on my credit rating given that I've just registered to vote at my parents address, which matches my bank details.  . I did say in my original post that due to personal circumstances I have been registered to vote with no fixed abode due to not having a permanent address (for the past 6 years) and that I've kept by bank details registered at my parents. I'm now living with the parents of my partner and am trying to tidy everything up

latam2012

ryan121 said:

I've moved so many times recently and have easily got credit even in the gaps where I've been removed from the electoral roll at a previous address and waiting to be added to the new one. I don't think it matters as much as it's made out to be. There must be a lot of people who don't bother to register to vote and still get credit.

DCFC79 said:

Credit rating is only seen by you and only you, lenders etc see your history.

ok thanks! I think I'll move my bank details to my current address and register to vote here if the quick succession of changes is unlikely to make an impact my credit file.