Electoral register - credit rating

[Wanted]

Hi all,

I have recently discovered that I have an excellent credit rating except for one point.

I am not registered on the electoral roll.

 

This is because I didn't bother going through the faff of proving a local connection (no address) last time as I didn't want to vote. I am now going to register as I want to vote and to try and up my credit score.

 

For those that want to see how to register without an address, see section 5

 

http://www.electoralcommission.org.uk/__data/assets/electoral_commission_pdf_file/0011/43958/Part-F-Special-category-electors-March-2010.pdf

 

My question is, if I register as a local connection, will this be recorded as me being on the election register and actively and positively affect my credit score.

The lack of registration seems to be the only sticking point of the rating.

 

Thanks in advance

 

Rob

[cotswoldsman]

Rob it won't as I understand it you have to register every year and for example in my case the address I used for my tempory registration was a local pub and that is different to my mail address I guess if you use the same address for both it might help but not sure as I do not think local connection address makes it onto electoral role that is my understanding anyway

[NB Lola]

Why would you want to up your credit score?

[Southern Star]

Why would you want to up your credit score?

To get credit?

[Paul C]

Why would you want to up your credit score?

 

 

To get credit?

 

To get a lower APR interest rate on credit?

[youthoftoday]

I was refused a £13-per-month mobile phone contract with T-Mobile / EE because there was a confusion in the electoral roll address (despite being in all kinds of similar contracts of higher value and never having any problems). Never had or wanted a credit card. You have to be very careful when the likes of Equifax are concerned. It's worth getting sorted, it might affect the most innocuous thing.

[ditchcrawler]

I didn't think the electoral role was available to these people now. Even my wife can't get a copy for our village and she is clerk to the Parish Meeting.

[cotswoldsman]

I didn't think the electoral role was available to these people now. Even my wife can't get a copy for our village and she is clerk to the Parish Meeting.

You have to buy them I think

[youthoftoday]

Councils (or whoever it is) run it as a business, selling the list wholesale to rating agencies. I think you can opt out of the commercial register (but that means opting out of other things that you may consider essential.

[Dekazer]

I'm afraid I don't know the answer, but I can recommend the Money Saving Expert forums as a good source of advice about this sort of thing. Although they're not boating experts, there are people there who are well versed in credit scoring.

 

I suppose the problem boils down to what you prefer vs what might be expedient. The credit rating agencies simply record information about you and potential creditors then do a check and apply different weightings to each item of info. For example, for many, any default will be an automatic no, but not for all. Being on the electoral roll is certainly an important one for many lenders. Many also like to see reasonably stable addresses.

 

If your credit score is the most important thing, you might need to consider moving all your addresses to an officially residential address, and going on the electoral roll there. E.g a family member's address. There are other ways of boosting your score too, which you might need to consider (see MSE site again!)

 

If being able to vote in your local area is the most important (as it will have most effect on your life) then proving local connection might be the better way to go.

 

If John's right, and the local connection thing won't count as 'on the Electoral roll', it might be worth keeping your eyes open for a fully residential mooring where you can register to vote and vote in your local area all from the same place.

 

One of the main reasons we chose to live on official resi moorings has been to be on the Electoral Roll, because we do use credit and expect, one day, to apply for a mortgage. I can't swear that it's really worth all the extra money, but them's the breaks

 

Hope you're well though Rob! We'll be bringing the narrowboat back onto the canal in the next few weeks, it'd be lovely to see you guys for a beer or two, and we'll see you at Ricky too I hope

[Ssscrudddy]

Credit ratings are all BS. I have or should have a bad credit rating.

I tried getting a mobile phone when I was living in a shared house. They wanted £50 deposit for the duration of the contract (sucks to be me).
Some time later another occupant wanted a mobile phone, different name same address, the phone company wanted £350 deposit. Later still a 3rd person wanted a phone, has a donkeys years old mortgage never missed a payment, good credit history, different name same address, the phone company wanted £700 deposit.

[Wanted]

Thanks all, the voting ting I can give or take, I'm still not convinced by democracy...

 

However, I am about to wed, join bank accounts and eventually knock on the doors of Roy Scott Larch (lark?) in pursuit of a bigger boat.

 

Knowing that marine mortgages are tenuous as is I have no doubt that this will cause a problem.

 

We are a couple of years off but that'll happen soon enough I'm sure.

 

Maybe a resi mooring is the way and then register proper?

 

Beers soon please Lucy, Will you be coming through on a weekend? Maybe we could hope on up to the fox or something?

 

Thanks again,

 

Anyone else note that boaters without address are in the same category as people with mental Ill health, homeless etc.

[churchward]

Thanks all, the voting ting I can give or take, I'm still not convinced by democracy...

 

Well, you could always go and live in somewhere like Syria and research the alternatives and see how you like it.

[Delta9]

Well, you could always go and live in somewhere like Syria and research the alternatives and see how you like it.

That argument is just as valid for excusing sexism and racism. It's a valid argument to silence any dissent, or to basically tell anyone that doesn't agree with the status quo to shut up. Is that what you would have told Martin Luther King Jr. back when the south had Jim crow laws?

"If you don't like it you can leave" is a fallacy, because its core implication "love it or leave it" is a false dichotomy, quite manipulative and corrupt in nature. When a person rightfully complains about something he perceives as immoral. "Loving it" and "leaving it" are not the only options -- other valid options are decrying "it" or seeking to end "it" without going anywhere too.

Edited April 1, 2014 by Delta9

[Mac of Cygnet]

Councils (or whoever it is) run it as a business, selling the list wholesale to rating agencies. I think you can opt out of the commercial register (but that means opting out of other things that you may consider essential.

 

I am opted out of the commercial register, and am only on the full version, which can only be examined under supervision and with good reason at the Council Offices. What other 'essential' things am I opting out of?

[Wanted]

A little unwarranted wasn't it?

 

I don't think that there is anything wrong with questioning a political system and comparing that with a brutal dictatorial regime is somewhat of a leap don't ya think?

[churchward]

 

That argument is just as valid for excusing sexism and racism. It's a valid argument to silence any dissent, or to basically tell anyone that doesn't agree with the status quo to shut up. Is that what you would have told Martin Luther King Jr. back when the south had Jim crow laws?

"If you don't like it you can leave" is a fallacy, because its core implication "love it or leave it" is a false dichotomy, quite manipulative and corrupt in nature. When a person rightfully complains about something he perceives as immoral. "Loving it" and "leaving it" are not the only options -- other valid options are decrying "it" or seeking to end "it" without going anywhere too.

 

No it is not just suggesting an alternative if someone is unsure or unhappy with the democracy they live in they could try something else.

 

I did not or am not telling anyone to shut up just using my democratic right to free speech as indeed he was.

[churchward]

A little unwarranted wasn't it?

 

I don't think that there is anything wrong with questioning a political system and comparing that with a brutal dictatorial regime is somewhat of a leap don't ya think?

not really just making a suggestion and highlighting an alternative. I was just using my democratic right to make a comment.

 

Another alternative would be to engage in the democratic system and vote or get involved in some other way.

[youthoftoday]

 

I am opted out of the commercial register, and am only on the full version, which can only be examined under supervision and with good reason at the Council Offices. What other 'essential' things am I opting out of?

 

As I said, you may not be able to get a mobile phone contract with a particular provider, as was my experience. Depending on the credit rating agency used by other services, at a guess*, you may be unable to open a bank account, telephone, power, water, etc. I said "may" because you might not consider any of the above to be essential but I think it's reasonable to assume that some people consider some of the above to be.

 

*If T-Mobile were being that petty about £13 a month, who knows what controls other organisations put on higher-value contracts.

Edited April 1, 2014 by youthoftoday

[Wanted]

not really just making a suggestion and highlighting an alternative. I was just using my democratic right to make a comment.

 

Another alternative would be to engage in the democratic system and vote or get involved in some other way.

More options

 

Anarchy

communism

socialism

Dictatorship

Absolute monarchies

Military junta states

And so on,

 

I am not questioning your right to suggest such a thing, just the snotty manor in which your post comes across.

 

I thank you for your options but I will also seek others if that's ok?

[cotswoldsman]

Well, you could always go and live in somewhere like Syria and research the alternatives and see how you like it.

Or you could stay where you are and be in a system where 47% of the vote gets you into power with a good majority.

[Mac of Cygnet]

 

As I said, you may not be able to get a mobile phone contract with a particular provider, as was my experience. Depending on the credit rating agency used by other services, at a guess*, you may be unable to open a bank account, telephone, power, water, etc. I said "may" because you might not consider any of the above to be essential but I think it's reasonable to assume that some people consider some of the above to be.

 

*If T-Mobile were being that petty about £13 a month, who knows what controls other organisations put on higher-value contracts.

 

Perhaps it should be made clear on the electoral register form that there may be consequences of opting out of the commercial register. I did it on the principle of objecting to my details being sold to all and sundry. Perhaps I'm fortunate in it not having affected me.

 

Although I was once mysteriously refused a credit card, I put it down to my never having had any credit, and applied to see my credit record. The credit agency sent me my son's instead, which didn't inspire confidence in their reliability

[churchward]

Or you could stay where you are and be in a system where 47% of the vote gets you into power with a good majority.

Yes indeed. All systems could do with improvement and I would like to see an element at least of proportion of votes to be a part of how MPs are selected rather than the present first past the post.

 

However, if someone doesn't vote it can be no surprise if one doesn't get what one wants.

More options

 

Anarchy

communism

socialism

Dictatorship

Absolute monarchies

Military junta states

And so on,

 

I am not questioning your right to suggest such a thing, just the snotty manor in which your post comes across.

 

I thank you for your options but I will also seek others if that's ok?

All I can say is that you should try and be less sensitive about such things I made no personal slight in my comment but I see with your reference to having a snotty manor you have not avoided being personal. It was just a comment as was yours about being in doubt about democracy.

Edited April 1, 2014 by churchward

[Wanted]

Yes indeed. All systems could do with improvement and I would like to see an element at least of proportion of votes to be a part of how MPs are selected rather than the present first past the post.

 

However, if someone doesn't vote it can be no surprise if one doesn't get what one wants.

 

All I can say is that you should try and be less sensitive about such things I made no personal slight in my comment but I see with your reference to having a snotty manor you have not avoided being personal. It was just a comment as was yours about being in doubt about democracy.

Yes because what this world needs is people who are less sensitive, happy to conform and shout the word DEMOCRACY when ever given two options isn't it!

It was clear from your original comment that your panties were in a wad when, as a throw away comment, I let slip that I might have issues with this current system.

In return you have taken it upon yourself to give me yet more options and choices that I didn't ask for and didn't want.

I'm glad that the democratic system of our nation works well for you, however you aren't a sales man for it and I am not buying.

 

Meanwhile, back at the ranch.....

[churchward]

Dear me lighhten

 

Yes because what this world needs is people who are less sensitive, happy to conform and shout the word DEMOCRACY when ever given two options isn't it!
It was clear from your original comment that your panties were in a wad when, as a throw away comment, I let slip that I might have issues with this current system.
In return you have taken it upon yourself to give me yet more options and choices that I didn't ask for and didn't want.
I'm glad that the democratic system of our nation works well for you, however you aren't a sales man for it and I am not buying.

Meanwhile, back at the ranch.....

Dear me lighten up dude.

 

It is you who has made the personal comments and insults not me. I made a comment against your post that is all nothing personal just highlighting that there are worse places to be. As for getting something you didn't ask for then so what that is the nature of forums and debate, what happens next is not controllable by you or anyone else.