Why Can't I Get Credit?

There may be a number of reasons for this, some of which have nothing to do with the Voters' List (Register of Electors).

However if you have been told by a bank or credit reference agency that you have been denied credit because they are unable to verify your details on the Voter's List.  (Please note: Credit referencing agencies do not check your details directly with the Electoral Team, they use their own database which are used for credit referencing purposes to counteract fraud).

Sometimes, the credit referencing agencies records are incorrect.  (Difficultly can arise if there is a slight variation in the address or if your address does not contain a street name).

They should be able to supply you with a copy of your record so that you can check the details.  If you have already provided confirmation of your registration to your bank or credit reference agency then any further problems will have to be taken up with them, and not with the Electoral Team.

(Note: The new register comes into force on 1 December each year.  Credit Referencing Agencies update their database once they have purcahsed the new register).

Please contact the Electoral Team to confirm if you are registered.  We can provide confirmation letters possibly at a charge.

If you are not registered as an elector you will neeed to go to www.gov.uk/registertovote or alternatively contact the Electoral Team for the required form.  You are not automatically included on the Voter's List if you are paying council tax and you need to complete a voter's registration form.

 

List of Credit Reference Agencies Contact Details

Credit Referencing Agencies can purchase the Full Voters List for use for credit checking.

However the credit referencing agenices do not directly access the information held on our Voters List, they purcahse the data and update their own systems.  It therefore takes them sometime to update their records (can take up to 6-8 weeks).  The following are the credit reference agencies who currently purchase a copy of the Full Voters List for this authority in accordance with the regulations.

 

Aristotle International Europe Limited                   
17 Coates Crescent
Edinburgh
EH3 7AF
Tel: 0131 225 0596
Fax: 07209 231 3649 
 Equifax
PO Box 1140
Bradford
BD1 5US
Advice Line: 0870 010 0583
Website: www.myequifax.co.uk                       
Callcredit
Consumer Services Team
Callcredit Plc
PO Box 491
Leeds
LS3 1WZ
Tel: 0113 244 1555
Fax: 0113 234 0050
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
 Experian
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
Tel: 0870 241 6212
Website: www.experian.co.uk   
Crediva Limited
Haywood House North
Dumfries Place
Cardiff
CF10 3GA
Tel: 029 2047 5910
Fax: 029 208 6937
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
 

Contact Us

Richmondshire District Council
Mercury House
Station Road
Richmond
North Yorkshire
DL10 4JX

Phone: 01748 829100
Fax: 01748 826186
E-Mail: This email address is being protected from spambots. You need JavaScript enabled to view it.