Why wait? Start improving your credit rating now.

Why wait? Start improving your credit rating now.

author: HaylexCox

By HaylexCox

Been rejected for credit recently? Most likely, your credit report is the culprit.


The best way of improving your chances of getting accepted for credit next time is to improve your credit rating.

And you can start doing it right now with our quick trick! Here’s how:

Register to vote

It’s a simple as that.

When you apply for credit, lenders need to make sure that you are who you say you are. And to do that, they’ll check the electoral register.

That’s why it’s really important your name is on it. Even if you have no plans to vote, we can’t stress the impact having your name on the register can have on your credit rating.

Your address matters too

It’s also really important that you’re registered to vote at your current address. This helps the lenders reduce the risk of fraud – like someone trying to use your details to apply for a credit card.

How do I register?

It’s simple, you can do it here.

It only takes a couple of minutes and it’ll ask you If you’d like to opt out of the open register too. Opting out means you won’t be contacted by businesses or individuals who might send you junk mail – so you’ve got nothing to lose!

Do I need to be a UK citizen?

Not necessarily, EU nationals can vote in some elections. Irish nationals and qualifying Commonwealth citizens can too, so if that’s you and you’re looking to apply for credit in the UK, sign up.

I think I’m already registered

If you think you’re already registered, it’s a good idea to check that all of your details are up to date. For example, if you’ve moved house or got married and changed your name, check this is correct on the register. You can find and contact your local authority here to check.

How long will it take to update my credit report?

You’re probably looking at about a month – councils usually process updates to the electoral roll and send the details to the credit reference agency one a month, so be patient! Sometimes it may take a little longer.

If you’ve more time to spare, you can see other ways of improving your credit rating here

Disclaimer: All information and links are correct at the time of publishing.

author: HaylexCox

By HaylexCox

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Why wait? Start improving your credit rating now. Why wait? Start improving your credit rating now.