News Article

Consumer Credit

Equifax reports rise in consumer queries regarding electoral registration

By CreditMan Thursday, May 19, 2016

Equifax, the credit information provider, has reported a rising number of consumers contacting the company after discovering they are no longer registered to vote. In 2014 the process for electoral roll registration changed so that instead of one member of the household being able to register every adult at their address, each individual must register themselves. For individuals wanting to have their say in the EU referendum vote on Thursday 23rd June, it’s important to check they are registered.

“Our figures show a like-for-like decrease in elector volumes for 2016 of more than 600,000, and a decrease of 950,000 for 2015 compared to 2014,” explains Lisa Hardstaff, credit information expert at Equifax. “In addition, we’ve seen an increase in consumer enquiries about electoral registration. This suggests that some consumers don’t realise that they are no longer registered on the electoral roll, which means they won’t be able to have their say in the upcoming EU referendum.”

Whilst the electoral register primarily allows people to vote, it can also have an impact when applying for credit. The electoral roll information appears on an individual’s credit report, and is used by lenders to verify an applicant’s address. This makes it a vital step in becoming credit ready, when shopping around for deals.

Lisa Hardstaff concludes, “It’s easy to register to vote online or by contacting your local authority.”

Residents of England, Wales and Scotland can check if they’re registered to vote by contacting their local Electoral Registration Officer - details can be found on Residents of Northern Ireland should visit the Electoral Office for Northern Ireland website. Consumers can also check that they are registered at their current address on their Equifax Credit Report, as well as check other information that will be used by lenders when assessing credit applications.

The Equifax Credit Report is accessible for 30 days free simply by logging onto If customers do not cancel before the end of the 30 Day Free Trial, the service will continue at £9.95 per month, giving them unlimited online access to their credit information and weekly alerts on any changes to their credit file. It also includes an online dispute facility to help them correct any errors on their credit file simply and quickly.