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Are you registered to vote?
If you’re planning on voting in the EU referendum on the 23rd June, you might want to check whether you’re still on the electoral roll.
One of the three credit reference agencies, Equifax, has reported that a rising number of people have contacted them after finding out they are no longer registered to vote.
Changes to the law
Back in 2014, there were changes made to the electoral roll registration. These changes mean that every person aged 18 or over must register themselves individually. Before then, one adult could register everyone that’s able to vote who lived at the same address.
So if you registered members of your household before these changes in 2014, they may not be registered anymore. If you’re unsure whether you are, or if a member of your household is, you can head to the gov.uk website here to contact your local Electoral Registration Office and find out. Make sure you let anyone in your household know so they can do the same.
As well as meaning you can have your say in the EU referendum this June, being registered to vote is really important if you’re thinking of borrowing in the future.
Remember: the deadline for registering to vote in the EU referendum is 7 June 2016.
How your credit history is affected
Not being signed up to the electoral roll means you might find it harder to borrow money. This is because it’s used to verify your address and to prove that you are who you say you are.
It could mean that you’ll struggle to be accepted for credit, so if you have plans to take out a mortgage or loan soon, you really must get signed up to the electoral roll.
To register to vote in England, Wales and Scotland, head here to the gov.uk website, where you can complete it all online. If you live in Northern Ireland, head to the Electoral Office for Northern Ireland here.
You should be able to see details of your address when you check your credit history, so it’s worth double-checking there too. If your address is outdated or incorrect, it’s important to update this either with your local council or the credit reference agency.
You can check your credit history for free online with ClearScore or Noddle.