Your electoral roll (or electoral register) information is an important part of your credit report. It helps verify your identity and address, which can impact your creditworthiness. If this information is missing or incorrect, it can potentially affect your credit score.
Electoral roll information also helps credit agencies confirm your personal details, thereby reducing the possibility of fraud. Discrepancies in this information can result in verification issues and lower credit scores, even if you maintain good financial practices.
Common Reasons for Missing Electoral Roll Information
Address Mismatch: If the address you provided when signing up for Credit Score doesn't match the address on your electoral roll record, this can create a mismatch and cause your electoral roll information to appear as missing or disconnected.
Recent Move: If you've recently moved, it may take some time for your electoral roll information to update in your credit report.
Not Registered to Vote: If you're not registered to vote at your current address, your electoral roll information won't appear on your credit report.
Delayed Updates: Credit reference agencies like TransUnion may take 4–6 weeks to process updated electoral roll information, and longer delays can occur during peak periods like the annual canvass.
Breaks in Data: Changes in your name or address might interrupt your data stream, potentially leading to missing information in your credit report.
Missing Address in the Royal Mail Database: If your address is absent or incorrectly formatted in the Royal Mail database, it might cause mismatches in electoral roll records.
How to Update Your Information in Credit Score
If you believe the missing electoral roll information is due to an address mismatch, you can easily correct it:
Log into your Credit Score account.
Navigate to the "Personal Information" page.
Update your address to match the address on your electoral roll record.
Important Note: The information displayed in Credit Score regarding your electoral roll is for informational purposes only and does not affect your eligibility to vote.
If you've updated your address and your electoral roll information is still not appearing after a reasonable amount of time, please contact our customer support team for further assistance.