Registering on the electoral roll is just one way of potentially helping to improve your credit score, but you should also be vigilant about making payments on time and taking steps to try and keep your financial information safe.
The reason the electoral register may help improve your credit score is because it allows any interested party to confirm that you are who you say you are, and that the details you have provided are accurate. It is very important that lenders are able to confirm your identity to avoid problems with fraud and identity theft — the more security that lenders have in terms of information, the more confident they are in lending money. Checking you are on the register is actually one of the simplest ways of potentially helping to improve your credit score.
There may be many incidental reasons why you are not registered to vote, from political apathy to moving house frequently. However, the electoral register is one of the most reliable ways of verifying your identity. If you want to ensure that your credit score is an accurate reflection of your financial history, it is important to have your correct details on the electoral register. Knowledge Centre Loans and Credit The Electoral Register and How It Influences Credit Scores There are many factors that can affect your credit score and they will vary lender by lender, but there are certain steps you can take that are likely to have a positive impact on the amount of credit you can obtain.
What is the Electoral Register? Am I on the Electoral Roll? Am I able to vote? As well as meeting the minimum age criteria, you must also be a British or Irish citizen a qualifying Commonwealth citizen that lives in the United Kingdom an EU citizen residing in the United Kingdom You have to be at least 18 years old to cast your vote.
How to get on the Electoral Register If you are not sure of your status regarding the electoral register, you can contact your local electoral office. How does the Electoral Roll affect credit scores? Information about inspecting the full register is available here. A revised version of the edited register also known as the 'open register' is published on 1 December each year and may be published in advance of an election. Monthly updates to the edited register are not published.
The edited register omits the names and addresses of people who have asked to be excluded from that version of the register, either by ticking the Edited Register box on the registration form or asking to have their details removed from this register this may be done by sending an email to info eoni. If your details are included in the edited register they will be available to websites such as You may receive more junk mail if your details are included in the edited register. The edited register is available for sale to any person or organisation for any purpose.
Anyone wishing to purchase a copy of the edited register should email info eoni. You can inspect the edited register in person at the Electoral Office see the Contact Us page. Only the current register is available for inspection. Persons inspecting the edited register may copy it in any way they wish. Inspection of the edited register is not supervised. If you wish to inspect the edited register please contact us to make an appointment. The marked register is the polling station register on which a mark has been placed against the name of every person who was issued with a ballot paper.
A copy of the marked register may be supplied free of charge to police forces and other law enforcement agencies but only if they have previously inspected the marked register. It is used by electoral registration officers and returning officers across the country for purposes related to elections and referendums.
Political parties, MPs and public libraries may also have the full register. It is also used by local authorities for their duties relating to security, law enforcement and crime prevention, for example checking entitlement to council tax discount or housing benefit. It may also be used by the police for law enforcement purposes. The courts use the register to summon people for jury service. It can be sold to government departments to help in their duties such as the prevention or detection of crime.
They can also use it for vetting job applicants and employees if this is required by law. Credit reference agencies are allowed to buy the full version of the register so that lenders can check the names and addresses of people applying for credit and carry out identity checks to help stop money laundering.
It is a crime for anyone who has a copy of the full register to pass information from this register onto others if they do not have a lawful reason to see it. The open register, also called the edited register, contains the same information as the full register but is not used for elections or referendums. It is updated and published every month and can be sold to any person, organisation or company for a wide range of purposes.
It is used by businesses and charities for checking names and address details; users of the register include direct marketing firms and also online directory firms. You can choose whether or not to have your personal details included in the open version of the register; however they will be included unless you ask for them to be removed. Removing your details from the open register will not affect your right to vote. Individual electoral registration means that for the first time many people may be making a choice whether or not they wish their personal details to be included in the open register.
Some may also be unaware of the choices made on their behalf in the past. Some people may already be opted out of the open register - if you had opted out at the point of the last household electoral registration your preference will have been noted and carried forward with the introduction of individual electoral registration.
If you are not already opted out but want to prevent your personal details on the electoral register from being made more widely available, you can make a request at any time to your local electoral registration officer for your details to be removed.
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