Electoral Roll effect on credit rating when temporary renting before buying

Tom1965

Hi. We have a mortgage with Virgin that we are porting to a new property (offer in place). Our sale should complete this week, and we will be in rented for about a month before we complete on the purchase. We are on the electoral roll for our current property, and have checked our credit scores which are clean. We understand that Virgin may carry out last minute credit checks and don't want the electoral roll issue to be a problem - just concerned about address not matching electoral roll. Should we advise Virgin of the rental address now and register on the electoral roll straight away at that address, or just leave it as it is until we move to our permanent address? Many thanks.

moxxey

Remember it takes AGES - like months - for electoral roll information to appear on your credit score, in these strange times.

I came off the electoral roll in March as I was supposed to move to the US (pandemic stopped that move). I went back on it end of April and this didn't reflect on my credit score until beginning of September. Even if you get your council to remove/add you, it takes them a few weeks to process and update their information they provide, then there's a delay on it appearing on your score. In my case, 4 months.

Thrugelmir

There's no need to do anything.  Last minute review of credit file isn't going to be concerned with addresses. They know where you lived and plan moving too. That has no impact whatsoever on your creditworthiness.