Credit Rating - Electoral Roll

[Burnsy2023]

So I'm looking at my credit report on Noddle and noticed that it says "not present on edited roll" which is correct in the fact that whilst I am registered to vote, I opted out of the edited register.

Do lenders only look at the edited roll or do they have access to the unedited roll? I was under the impression that it was the latter but I may opt back in if this is detrimental to my credit rating.

Anyone know?

 

[Steve2000]

I don't know for fact but I've always been led to believe that not being on the electoral roll (the proper one anyway) is indeed detrimental to your credit score.

 

[Zenduri]

Im not on the edited roll but i still show as on the electoral role on my experian account

 

[balky12]

It does affect credit score. By how much, im not sure.

 

[Burnsy2023]

I don't know for fact but I've always been led to believe that not being on the electoral roll (the proper one anyway) is indeed detrimental to your credit score.

Indeed, but my question is very specific: is only being on the edited electoral detrimental to my credit rating?

 

[semi-pro waster]

I've got a letter in front of me which was sent to say that the way one registers to vote is changing. This appears to suggest that the unedited register (electoral register) is used for registering to vote, jury service, credit applications (+ a few other limited purposes) and the edited register (open register) is the one that can be bought by businesses to confirm name/address details.

That suggests that you shouldn't need to be on the open register if I'm reading it right.

 

[Zenduri]

I've got a letter in front of me which was sent to say that the way one registers to vote is changing. This appears to suggest that the unedited register (electoral register) is used for registering to vote, jury service, credit applications (+ a few other limited purposes) and the edited register (open register) is the one that can be bought by businesses to confirm name/address details.

That suggests that you shouldn't need to be on the open register if I'm reading it right.

This. Thats my understanding too

 

[mattyg]

One is sold to telemarketers etc and is available for every tom dick n harry and the other is used by official sources. Being on the unedited wont effect your credit rating

 

[Burnsy2023]

I've got a letter in front of me which was sent to say that the way one registers to vote is changing. This appears to suggest that the unedited register (electoral register) is used for registering to vote, jury service, credit applications (+ a few other limited purposes) and the edited register (open register) is the one that can be bought by businesses to confirm name/address details.

That suggests that you shouldn't need to be on the open register if I'm reading it right.

Excellent, thanks for that SPW, you're a star

 

[Amp34]

Being on the unedited electrol roll changed my credit rating fairly significantly according to Noddle. My rating went up a fair amount when I added myself to the roll after moving (the unedited only).

 

[The_Abyss]

Yes, but what Noddle do is essentially offer gamification of a credit rating. It is free and it isn't the product: you are.

 

[mattyg]

Noddle is crap. Noddle had my score going down when it was at 999 on credit expert

 

[Richie]

Being on the edited roll does NOT affect credit rating. Credit companies use Experian/EquiFax/Call Credit etc to verify details and they have your details of electoral roll regardless if you have opted out of the unedited one.

 

[Kronos]

I have never been on the electoral roll and at the age of 60 I can say it has not had the slightest noticeable effect on my life.

 

[PhilthyPhil]

I've never been on the electrol roll at my current address (been there 4 years) and my credit rating on experian is 999, so it can't be that important.

 

[Amp34]

Yes, but what Noddle do is essentially offer gamification of a credit rating. It is free and it isn't the product: you are.

Oh, I agree. It does however give you an indication of your credit worthiness.