Electoral registration and your credit score
The full electoral register is used by credit reference agencies to update information held on individuals' credit reference files.
The full register is not the same as the open register which can be bought by any person, company or organisation.
Being included in, or excluded from, the open register does not affect your credit score.
How often is data supplied to credit reference agencies?
The electoral register is updated at the start of each month (except in October and November) and supplied to credit reference agencies shortly after publication.
If you have made a recent application to register to vote in Lambeth, check how long it takes to see when you’ll be added to the electoral register.
Once your details are included in the electoral register you’ll usually need to allow a few weeks for this to be reflected on your credit file.
Am I registered to vote Lambeth?
You can check if you’re included in Lambeth’s electoral register using our online form.
The information on my credit file is incorrect
If your credit file is inaccurate, you should contact the credit reference agency you obtained your file from. However, the problem could lie with the original lender or organisation that supplied the credit reference agency with the information, so you may need to contact them instead.
If you have contacted the relevant credit reference agency and the original lender or organisation is unwilling to correct an obvious error, you may wish to make a complaint to the Information Commissioner’s Office.
The credit reference agency I’ve been dealing with has asked for proof of my electoral registration
You can request proof of your registration to vote. We’ll check our records and send a confirmation letter to your registration address.
Where can I find more information about credit referencing?
The Information Commissioner’s Office has further details on credit reference agencies and how your credit score is calculated.