I’ve registered to vote – how long to update credit report?

By Neil Stone, Experian UK social support team

Thinking of applying for credit in the near future?  Then now is the time to make sure you are registered on the Electoral Roll!

Lenders will often use the electoral roll information on your credit report to help confirm your ID when you apply for credit. If you are not registered they may ask for further documents or even turn down an application completely.

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So how long will it take after you have registered?
It will actually depend on the time of year.  From December to August local authorities publish a monthly register, known as a rolling register.

We get the rolling registers each month and update the information on reports as quickly as we can.

However, from mid-August to December local authorities will start preparing the annual register, which is for every voter in the country. During this time they will stop publishing monthly registers.

The annual register is published at the beginning of (usually 1st) December, and we then start updating our records, which we aim to complete by January.

So if you register between August and November, your electoral information should show on your credit report by January the following year.

What is the difference between the full and open register?
When you register to vote you can choose to go on either the full register or the open (also known as edited) register, we receive both of these registers.

The Open Register is available to anyone who wants a copy and can be used for any purpose, including marketing, though you can choose to opt out of this when you register to vote.

The Full Register is only available for specific purposes, which includes credit checking.  If you are on the Full or Open register lenders will see this information when you make an application for credit.

If you are on the Full Register, and a company searches for non-lending purposes, such as a tenancy check or employment check then they would not see your details. 

What if you have no fixed or permanent address?
Those with no permanent address or fixed address (including house boats with no permanent berth) can still register on the electoral roll.

In these cases the elector is linked to an area rather than a specific address.  Information on a credit report needs to be linked to a specific address, so if you register as no fixed abode the electoral roll information won’t appear on your report.  However, you can still add a notice of correction to explain this to lenders.

What are other / anonymous electors?
Some people choose to be registered as ‘Other Electors’ (aka ‘Anonymous Elector’) on the electoral roll. This may be for security or safety reasons. ‘Other Electors’ won’t be shown as registered on the electoral roll on their credit report, as their address is not published.

This means that lenders will not be able to verify their identity through the electoral roll, so they may wish to provide evidence of their address to a lender when applying for credit.

A ‘certificate of anonymous registration’ which is issued by the local authority can be shown to a lender when making an application or they may want to add a notice of correction to their credit report to explain their situation. 

If you aren’t sure if you are registered and want to make sure you have visit www.aboutyourvote.co.uk for more information.

59 thoughts on “I’ve registered to vote – how long to update credit report?

    1. Mark

      I have been registered at my address since 2013 but my report still states this information is missing – any ideas??

      Reply
      1. CreditExpert Stuart

        Hi Mark,

        If you’ve been registered on the electoral roll since 2013 then your details should be showing on your Experian Credit Report.

        If you contact our support team, they will be able to help you with this and make sure this is added on your Experian Credit Report. You can find their contact details available here.

        Kind regards,
        Stuart

        Reply
        1. Jordan evans

          Hi Stuart I’m going through the stage of getting a mortgage and I’m not on the electoral roll but have applied last night how long will it take please? Could you please email me, thanks

          Reply
          1. CreditExpert Stuart

            Hi Jordan,

            When it comes to Electoral Roll information appearing on your Experian Credit Report, it can usually take 4-8 weeks before this appears on your Experian Credit Report.

            This is because the local councils will usually publish the updates to the Electoral Roll’s rolling register at the end of the month from which we then will need to process the information. If you do need to contact us over email however, you can find our contact details available here.

            Kind regards,
            Stuart

        2. Jessica

          Hi I completed my electoral however I also did an anonymous application which was rejected. I was told by somebody that because I completed a anonymous application although it was rejected my details would not be published on the open or the full version. Not quite sure if this is the case, however if this is the case, for example when renting a property how would credit checks be made?

          Reply
          1. CreditExpert Neil Post author

            Hi Jessica.
            If your application to be recorded as an anonymous voter was accepted then your electoral roll details would not appear on your Experian Credit Report, as this only contains details of the published electoral roll.
            As your application was rejected you would need to speak to your local authority to see if they have added you to the full or edited register. If you are not on the register they would also be able to arrange this for you should you now wish to go on the register.
            If you are renting a property and a check is made, you would not show on the electoral roll if your registration has not been completed.
            Kind regards Neil.

  1. James Cavendish

    Very interesting. So how does it work for companies? Do they have a credit rating and can it be improved? Are the interest rates higher for Companies and if so why if you are going to borrow a relatively small amount of money would you not take out a personal loan for it?

    I assume that a lender would ask for a personal from a director guarantee anyway. This happens if you apply for an overdraft at the bank – not that we have one of those either at Cavendish deVere.

    Reply
    1. CreditExpert Neil Post author

      Hi James, companies do also have credit scores but they are calculated in a different way. If you were to take out a personal loan in your name even for business purposes this would appear on your personal credit report. If a loan is taken by the business then it wouldn’t appear on your personal credit report. It would be up to the lender if they provide different rates for business loans and personal loans. Our Business team can help out with any questions you have about business reports. Find out more here. Kind regards Neil.

      Reply
      1. Lucy

        Hi Neil,

        Our details have been added to the electoral roll but are not showing up on our Experian report yet. We are trying to remortgage but are awaiting our report to update. Is there anyway of speeding this process along?

        Any help would be appreciated.

        Thanks

        Lucy

        Reply
        1. CreditExpert Neil Post author

          Hi Lucy, We will be happy to take a look at this for you. Please get in touch with your details and we will be able to get this checked. Kind regards Neil .

          Reply
  2. Leigh brassington

    Again I’ve been added to our electrol role in mid Jan and still no signs on my credit report could you help please

    Reply
    1. CreditExpert Neil Post author

      Hi Leigh, I have got your email thanks, and am getting this checked for you. kind regards Neil.

      Reply
    2. CreditExpert Neil Post author

      Hi Leigh, I have got your email thanks, and am getting this checked for you. kind regards Neil.

      Reply
      1. Lavinius

        Hi Neil..im in the same situation.i been registerd on mid of march and still not sign on my credit report.can you check please or i must phone the council.thanks

        Reply
    1. CreditExpert Stuart

      Hi Natasha,

      That’s a good question to ask. In terms of the details you see on your report, your Experian Credit Score is based on all the information that’s listed.

      Because of this, I can’t really say for certain what change would take place to your Experian Credit Score as it varies between each report.

      What is important to note though is that lenders would see that you are registered on the Electoral Roll and would be able to consider this when making a decision.

      Kind regards,
      Stuart

      Reply
    2. Jamie

      My score dropped 75 points when I moved to a new address and the details no longer matched the electoral register. I’d assume it would go back up by the same as this is the only negative factor I have. I’m not sure however if the difference of points would be the same for everyone else though

      Reply
      1. CreditExpert Neil Post author

        Hi Jamie, the difference in points for coming off the electoral register won’t always be the same for everyone. It will depend on what other information is also on your report, if for example you have a lot of other positive information then the impact of coming off the register could be reduced. Kind regards Neil.

        Reply
  3. arafat saleem

    hi i register my name in electroll on feb 2017 can i know when my name is get updated in electroll and when it gets updated in my credit report can you please help on this thanks

    Reply
    1. CreditExpert Stuart

      Hi Arafat,

      Thanks for getting touch regarding electoral roll information.

      Due to the amount of information we need to process when receiving an update from the local councils, it could take anywhere from 4-8 weeks before this would be updated on your report so you should expect to see this updated wither in March or April on your Experian Credit Report.

      Kind regards,
      Stuart

      Reply
  4. Michaela Bowen

    I was confirmed by the council that I would be on the electoral role from 1st Feb. This is still not showing on my credit report. Please advise when this will be updated. Many thanks

    Reply
    1. CreditExpert Stuart

      Hey Michaela, Depending on when you registered on the Electoral Roll, it can take 4-8 weeks before this updates on your Experian Credit Report. As you registered in February, you may still need to wait around 4 weeks before this updates. If the information is missing after this timeframe however, contact us here and we’ll be happy to help you out with this.

      Stuart

      Reply
  5. Hamid

    Hi , i registered my name in electroll on March 2017 can i know when my name is get updated in electroll and when it gets updated in my credit report can you phelp on this please ,thank you very much

    Reply
    1. CreditExpert Stuart

      Hi Hamid,

      It usually will take us about 4-8 weeks for us to update the Electoral Roll information on your Experian Credit Report.

      This is because the local councils typically send us updates at the end of each month and then it takes us some time to process this information. As you’ve just registered on the electoral roll, it should be updated on your report in the next 8 weeks.

      Kind regards,
      Stuart

      Reply
    1. CreditExpert Neil Post author

      Hi Angela, if you have recently signed up to the electoral roll then it will usually take 6-8 weeks to appear on your credit report, as we are unable to add it until we have the published register.
      Your local authority will usually send you a letter to confirm you are registered and you may want to keep this to show to any potential lenders. You can also add a notice of correction to your credit report to let lenders know that you have recently registered.
      You may also find our guide to preparing for a mortgage application useful here.
      Kind regards Neil.

      Reply
  6. Danielle Jackson

    Experian staff are constantly contradicting themselves , I have spoke to 3 separate members of staff on different occasions, I registered on 1st January 2017 and have chased numerously as to why it has still not been updated now 12 weeks ONWARDS and each time I have been given vague conflicting answers and I am no further on. So based on an estimated 4-6 weeks then 6-8 weeks then errr well it depends -for your “systems” to be updated , I found this not only unprofessional but actually disappointing given the fact we are in the 21st century with modern technology regardless of how many peoples details need to be transferred monthly. Evidently, the £15 per month we pay for a “service” is a typical money making scheme for your business, if it takes you 3 month to update 1 peice of information then surely I should only be paying £15 per 3 month to get my value! Hoping this is rectified by tomorrow because if not I will be not only making official complaint but mentioning it to “the one show” when I attend the programme on 10th may.

    Reply
    1. CreditExpert Neil Post author

      Hi Danielle, I’m sorry to hear that your electoral roll information has not yet been updated. We update information once the registers are received from local authorities, they are normally published monthly and we expect the process to take 6-8 weeks.

      So that I can check to see we have the latest register from your local authority and get this resolved for you please email your details (name, DOB and address) to me at uksocialsupport@experian.com

      Your credit report information is always updated and you don’t need to be a member of CreditExpert for us to do this.
      Kind regards Neil.

      Reply
  7. Adrian Ionut Andritoiu

    Hi, I ve registered in february for the change in my address, and i ve even got the letter on my new adress from the council saying i ll be added on the electoral roll in march, yet is mid of April and my report on experian says I m still not on the electoral roll. What s wrong ?

    Reply
    1. CreditExpert Neil Post author

      Hi Adrian, most local authorities will publish a monthly register, we update our information from them once they are published. Depending on when you registered and when the register is published it can take 6-8 weeks to appear on your credit report. If you get in touch with your details we will be able to get it checked for you. Kind regards Neil

      Reply
  8. Jeremy Morey

    I’ve been waiting for my Experian to update with the confirmation of my address on the electoral role since November last year!!! It says I’m still not on there even though I’ve had my voting slip through the post! 5 months now guys… why am I paying you £15 a month?

    Reply
  9. Jodie Tipper

    I registered to vote at my address in Dec and this is still not showing on my Experian credit report. I was a paying member but I ended up cancelling my membership as time and time again I’ve been told that your records are correct! I have my polling card for the General Election even and the council have confirmed that I am obviously eligible to vote. I’m beyond fed up.

    Reply
    1. CreditExpert Neil Post author

      Hi Jodie,
      We would certainly expect your electoral roll information to show on your report now as this shouldn’t take longer than 6-8 weeks.
      If you could contact us with your details we can get the electoral roll information checked for you.
      Kind regards Neil.

      Reply
  10. Jennifer Ryan

    Hi there,

    I have contacted Experian a number of times using the online form an I must day I am disgusted at the customer service I have received.

    I registered on the electoral register in May this year but my credit file is still showing that I’m not registered. I was told by a customer service agent from Experian that they can see I am registered but only on the rolling register so they can’t update my credit file. This is extremely confusing to me, as I thought the rolling register is published monthly for the purpose of updating credit files?

    Please can you give me some clarification on this?

    Reply
    1. CreditExpert Neil Post author

      Hi Jennifer, that does sound odd. We do update our records from the rolling registers which are published monthly. This means that it can take 6-8 weeks from when you register for it to appear on your credit report.
      If you could email your details (name, DOB and address) to me at uksocialsupport@experian.com I will be able to get this checked for you and find out what has happened.
      Kind regards Neil.

      Reply
  11. Lucas B

    Dear Experian,

    What it takes for a “credit file” to be created? I am new in the UK and have been added on the electoral roll back in June however am still unable to “pull my report” as no data is found is what I get each time. Does a “credit file” gets generated as soon as you are added on the ER?

    I have also e-mailed you my proof of registration. I am in URGENT need to have my report generated/updated that shows that I am on ER.

    I would appreciate if you can look into this asap.

    Reply
    1. CreditExpert Neil Post author

      Hi Lucas, as you are new to the UK we may not hold enough information relating to you to generate an Experian Credit Score. If you have opened any bank accounts, or taken a mobile phone contract then these would appear on your credit report when the lender sends us their monthly update. Once you register on the electoral roll it can take 6-8 weeks to appear on your report, this will happen automatically so it shouldn’t be long before the information on your report starts to build. Kind regards Neil

      Reply
  12. KArmour

    Hi,

    Again, I have been registered on the electoral roll since April 17 and not showing on my credit report. Can you confirm when this will be updated? Have been in touch with customer service on several occasions and still no luck. I am in urgent need for this to be updated to enable me to apply for a mortgage.

    Reply
    1. CreditExpert Neil Post author

      Hi KArmour, we would certainly expect your Electoral Roll information to appear on your credit report by now. I understand that you have been in contact before regarding this, but so that we can chase this up for you we will need you to contact us again with your details. If you could get in touch with your name, date of birth and address along with your voters roll number if you have this we can investigate. Kind regards Neil.

      Reply
  13. Kevin

    Hi there. I’ve been using the free credit report via ClearScore which shows my previous address and also an address I’ve never lived in although very similar to my current address. I understand Experian supply the info.

    I have confirmation from my council Southwark dated 03.02.17 that I will be entered onto electoral register from 01.03.17 and my previous wil be removed? I have written proof of this. All my accounts, utilities, mortgage all relate to my new address yet 6 months later Experian are still providing ClearScore with incorrect information.

    How do I sort this out and get my correct address for which I appear on the electoral roll showing on my credit report and how do I remove an Address I have never been associated with?

    Kevin

    Reply
    1. CreditExpert Neil Post author

      Hi Kevin, ClearScore are a separate company to Experian and we do not supply credit report information to them.

      I believe ClearScore get their information from Equifax who are another credit reference agency. You can get in touch with Equifax here

      Kind regards Neil

      Reply
  14. Lindsey Siviter

    Hello, it doesn’t seem fair to me that you can be registered on the electoral roll but then move house and re-registering can then take up to 4 months to register for credit and finance etc just because of the time of year? We have been refused finance for a new car because we have recently moved and have been told it won’t be live until late December which now means we will be without a car for the next three months as we will have to hand it back etc we were moving car dealers for multiple reasons, but we rent, have no CO’s or major debt yet just because of the house move (same council borough) it’s fails to be accepted.
    I can understand if you’ve never been registered but for ppl who vote every year, register at every new house it feels unfair to now be put in this practical and financial difficulties?

    In a digital age when changing your address on the roll takes 5 minutes. How can the transfer of information take so much longer? Is there not a better resolution for this coming at any point? It seems so unhelpful?

    Reply
    1. CreditExpert Neil Post author

      Hi Lindsey, sadly due to the size of the registers it does take local council’s a number of months to collect all the information that they need.
      Once the information has been published we update our records as quickly as we can from them.
      If you have a copy of your Experian Credit Report then you would be able to add a “Notice of Correction” to the report to explain that you have recently moved and will be showing on the electoral roll once the annual canvas has been completed. Lenders would then be able to take this into account when considering your application.
      You can find out more about adding a “Notice of Correction” here.
      kind regards Neil.

      Reply
  15. Annabel

    Hi Neil

    I missed the deadline for the monthly reports and got a letter saying that I will be on the Electorial Roll on 1st of Dec. I am looking to get a loan that is quite time sensie and need to apply before 1st of Jan. How likely is it that my records will be updated before that and is there any way to speed up the process?

    Best wishes
    Annabel

    Reply
    1. CreditExpert Neil Post author

      Hi Annabel, we start updating our electoral roll information as soon as we receive it from the local authorities, but due to the size it can take a number of weeks. We usually aim to have it completed by January.
      If you contact us once the register has been published we would be able to chase it up for you.
      Kind regards Neil.

      Reply
  16. Ian

    We moved into our new build beginning of July 2017. The local authority have not registered us yet and now state we must wait until the December run. Does that mean we will not appear with your records until January? Also will the register/your records show we moved in from July 2017 rather that January 2018? I don’t want a gap in the records as we were at our last address for 10years.

    Reply
    1. CreditExpert Stuart

      Hi Ian,

      In terms of how long it will take for Electoral Roll information to show on your Experian Credit Report, I am not able to say for certain as it will depend on when the local authority shares the information with us.

      Once we recieve information from the authority, it can take 4-8 weeks before we update the information depending on how much data we are given.

      If you want to however, you can request a Notice of Correction to be added to your Experian Credit Report which can explain to lenders why there is a gap on your report history so they are able to take this into consideration. You can learn more about a Notice of Correction here.

      Kind Regards,
      Stuart

      Reply
    1. CreditExpert Neil Post author

      Hi Steven, it should certainly appear on your credit report after 3 years. A lender is likely to check your electoral roll details when you make an application.
      It’s possible it is not showing on your credit report if it is recorded under a variation of your address. Contact us with your details we will be able to check this information for you. Kind regards Neil.

      Reply

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