In this brief blog, we will talk about the question “ am I registered to vote “
Being registered to vote is very important because you will join the democratic process but more importantly, being registered to vote means you will be on the electoral roll on your current address and this helps you build credit.
Most lenders will look at how long it states you have been on the electoral roll on your credit file and this will help them determine how stable you are as a potential borrower. If you have registered to vote at to many addresses then this may mean that you move around to often and you lack stability.
It is also important to be registered to vote at your current address. More often than not people will forget to re-register to vote when they move homes. If you are not on the current electoral roll for your current home when you apply for credit then you may find it much harder to get approved for credit.
Being registered to vote may also help you with the below things:
Open credit accounts
Pass checks for insurance or utilities
Get a passport
Pass employer & landlord checks
Am I registered to vote?
People usually wonder to themselves “Am I registered to vote?”. You may be registered to vote but maybe this isn’t at your current address, you could have been registered to vote at your old address and now you haven’t changed it since you moved to your new house.
One of the quickest ways you can check if you are registered to vote is by getting your credit report and looking for the column where it states if you are registered on the electoral roll at your current address. This column will usually have the address on which you are currently registered to vote. If it doesn’t have any information or states that you are not on the electoral roll then it is very possible that you are not registered to vote at your current address.
You can get your credit report from any of the four credit bureaus such as Crediva, Equifax, Experian and transunion. Some of these services may charge you in order to give you your credit report but you can also get a free statutory credit report from any of these credit bureaus for free. A statutory report is a credit report which the credit report must product to you at request once a year.
You can also get your credit report from services such as Checkmyfile, clearscore or credit Khama UK.
How do I know if I am registered to vote UK?
To find out if you are registered to vote in the Uk which includes England, Scotland and Wales, you should contact your local council or your local electoral registration office. They will let you know if you are registered to vote. You cannot find out if you are registered to vote from the electoral commission. You can find the contact details of your local electoral registration office through this website. It was specifically made for those looking to register to vote.
How can I tell if I am on the electoral roll?
To tell if you are on the electoral roll you need to check with your local electoral registration office. Usually you can know if you are on the electoral roll if you receive the voting cards which are usually sent out before an election. You local electoral registration office will check and let you know if you are registered on the electoral roll and then let you know how to register.
How often do you register to vote?
You wont need to register to vote for each election in the United Kingdom. You will only need to re-register to vote if you move house or if you have changed your name. If you haven’t voted in the past four years then you may also need to reregister to vote. If you are registered to a political party and you want to switch parties then you may have to re-register to vote.
Who can register to vote in the UK?
You can register to vote if you are British, EU or a qualifying commonwealth citizens and are age over 18 or will be aged over 18 on the polling date. Once you have registered to vote you can then vote in person at the polling station in your local area on election day or vote via post or by proxy. Voting by proxy is when someone else votes on your behalf. If you are a british citizen living abroad then you must also have registered to vote within the last 15 years. You cannot register to vote if you have been excluded from doing so.
Where is your voting polling station?
If you don’t know where your voting polling station is then you can find out by entering your postcode on this website. It will display to you the nearest polling stations to your postcode.
You wont need to bring your polling card to vote as the polling station will just require your full name and home address to check if you are registered to vote on the electoral register.
Why does my Electoral Roll listing appear on my Credit Report?
An important reason why your electoral roll listing appears on your credit report is to help validate your current address. Checking to see if you are registered to vote at your current address is the easiest way this can be done. Without the electoral roll register a lender or any other party looking to verify your address will have to check with each individual local council to see if you are registered to vote at your current address. Each local council passes their electoral roll data to the credit bureaus who in turn display this data to whoever requests it.
How long does it take to see your voting registration on your credit report?
The process doesn’t happen automatically and once you have registered to vote you can expect to see this reflected on your credit report within 16 weeks. If you want to increase the speed of this process ( maybe because you want to apply for a mortgage or loan) then you can get a written letter confirming your full name, date of birth and current address which you have been registered to vote from. This letter should be provided by your local council and then sent to all the credit bureaus asking them to update your credit file. There is no guarantee it will work but it’s worth a try.
If you spot any mistakes with your credit report then you should contact the suitable credit bureau immediately and get any mistakes updated immediately as mistakes such as incorrect spellings of your names could cost you when it’s time to get a mortgage or loan.
How do you register to vote?
Registering to vote is fairly straightforward. You should be aware that if you are trying to register to vote in a particular election then there may be deadlineson when you can register to vote in order to be able to participate in the upcoming election.
How to register to vote in England Scotland and Wales
Visit the UK Government website to fill in a simple online form:
You will need your National Insurance Number (if you have one).
Register by post
Print off a form and send it to your local Electoral Registration Office:
Alternatively you can contact your local Electoral Registration Office and ask them to post a form to you:
Registering in Northern Ireland
Print off and complete an Electoral Registration Form and return it to your Area Electoral Office.
We hope this brief blog on the topic “Am I registered to vote?” has answered your questions on if you are registered to vote and allowed you to find out how to register to vote if you are not on the electoral roll. If you have any questions or comments please let us know.
If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.
You can also contact the debt charity “Step Change” if you are in debt and need help.