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Once a year, Electoral Roll registration forms are sent to every household for completion - usually in August or September. The register of electors is then published on 1 December each year, using the information submitted on these forms. Local authorities now make changes to their Electoral Roll on a monthly basis – this is called the Rolling Register. Lenders access Electoral Roll data via a credit reference agency to confirm the identity of their applicant and check that the address provided by the applicant is correct.
We are not made aware of the reasons why your application has been declined. Only the lender involved knows the reason for their decision. Electoral Roll information can be used in the decision making process to verify your name and address, however if you are not on the Electoral Roll at your current address most lenders will check the Electoral Roll at your previous address or will ask you to provide other forms of evidence to show that you live at your current address.
Once a year, registration forms are sent to every household for completion - usually in August or September. The register of electors is then published on 1 December each year, using the information submitted on these forms. Additions and deletions can also be made to the register every month, except during September, October and November when the new register is being produced. You must obtain a registration form from your local authority - many allow you to download this form from their website. A separate form needs to be completed by each member of the household who is eligible to vote. Once you have completed the registration form, please complete and return to your local Electoral Registration Office. They will make the required changes to the register and will inform us that we need to make a change to our records.
The Electoral Roll section of your credit file should be a reflection of the information held by your local authority. Firstly you must ensure that your local authority is holding accurate and up to date information. If the information they are holding is correct but your Callcredit file is not, we require evidence from your local authority to allow us to amend our records. Please arrange to supply us with a letter from your local authority, to allow us to make the necessary changes. If the information held by your local authority is not correct, please arrange for them to make the necessary changes to their register. Once this has been completed they will inform us and we will make the required changes.
Once a year, Electoral Roll registration forms are sent to every household for completion - usually in August or September. The register of electors is then published on 1 December each year, using the information submitted on these forms. Local authorities now make changes to their Electoral Roll on a monthly basis - this is called the Rolling Register.
By law your local authority has to make the electoral register available for anyone to look at. The register is held at the local electoral registration office and some public buildings, such as libraries.
Until now, any company, organisation or person could buy a copy of the register. The government has now changed the law so that every individual has some choice about who can buy details of your name and address. Under the changes there are now two versions of the register: the full version and the edited version. When you complete your electoral registration form each October you will be able to chose whether you want your details included on the edited register.
The full register has the names and addresses of everyone registered to vote. Anyone can look at it, but copies can only be supplied for certain purposes, such as elections and law enforcement. Credit reference agencies are also allowed to use the full register, but only to check your name and address if you are applying for credit and to help prevent money laundering.
The Electoral Roll is not a financial record and the information recorded at your current and previous addresses will show all the names that are currently on the Electoral Roll at these addresses. Please be assured that the fact that other names appear within the Electoral Roll section of your credit file does not imply that you share a financial connection with them.
