Electoral Roll - Why Register?

There are many factors that affect your credit rating – from your credit history to your financial associates. But did you know something as simple as whether you’re on the Electoral Roll could be standing in the way of you getting a loan?

It’s true.

Registering to vote can really improve your chances of being accepted for loans, credit cards and even mortgages.

Read on to find out how.

How the electoral roll could affect your chances of receiving credit

Your presence on the electoral roll provides valuable proof of your address to lenders.

If your name is registered on the electoral roll, lenders are likely to see that as a positive sign, as not being registered increases the chances of the application being fraudulent. So whether you’re hoping to be accepted for a credit card, a mobile phone contract or a mortgage, make sure you are on the electoral roll.

If you are not currently registered and thinking about applying for credit, make sure you do register well in advance of your application as the information will not show up on your credit report instantly.

How to get on the electoral roll

Many people assume that you get automatically registered to vote.
They’re wrong.

It is the individual’s responsibility to ensure they are on the Electoral Roll.

But registering to vote isn’t a complicated and time-consuming process – if you're wondering how to get on the Electoral Roll; these days you can even do it online:

  1. Visit the electoral registration website
  2. Complete your current address, previous address and personal details on the online form
  3. Save and print the form
  4. Sign it (to protect yourself from identity theft)
  5. Post it to your local electoral registration office

It’s as easy as that and even if you don’t exercise your right to vote, you know you’ll have given yourself a better chance of successfully applying for credit.

Other ways to protect yourself from identity theft

Although being on the electoral register helps you to establish your identity, on its own it will not protect you from identity theft.

You can do manual checks for identity theft by looking out for unusual activity on your credit report. 

You can then check your credit report and if the change was not made by you, the experts at TransUnion (formerly Callcredit) will help you resolve it.

This way you can keep a close eye on all financial activity happening in your name and identify ID fraud as soon as possible.

For more information about your credit history and how to check your credit report, read our guides: