@experianexperts Credit file shows not on electoral roll even though I am! What should I do?!

[LucindaBirmingham]

I requested my credit file from Experian and it states I am not on the electoral roll: "No Electoral Roll Information available from the addresses provided".

 

I registered to be on the Electoral Roll a few months ago. This was confirmed to me by my local authority and I also received a voting card for the last general election.

 

Therefore this has shocked me.

 

I have been applying for bank current accounts over the last few weeks and, disappointingly, been rejected by all of them. I am already in a weaker position than most people as I have a non UK passport, not even an EU one, and mine is from a country which many financial institutions classify as a 'high risk' one. And then to also mark me as not being on the electoral roll would be another negative when banks check my credit record.

 

I had some questions please:

 

- if Experian say I'm not on the electoral roll, is it likely the two other credit reference agencies will state the same thing as well?

 

- what could have gone wrong?

 

- how long does it normally take for the records of the credit reference agencies to be updated about somebody being on a local authority's database?

 

- how may I get this rectified please? How long does it take for the credit records to be corrected?

 

- last, but not least, is it worth me applying to more banks? Or should I wait until the records are updated, even if it takes many weeks? How fussy are banks about somebody being on the electoral roll please?

 

Thanks a lot in advance for the advice.

[dx100uk]

simply send them a copy of the electoral role email / letter by post or email.

[catquest]

If you don't have an EU passport how do you expect to be on the "electoral" roll ?

Many non-UK residents, eg students , get credit cards by showing the banks letters of school or university enrolment etc