Being rejected by banks for current accounts :-( Not on electoral roll according to credit file. Help!

[businesstax]

I requested my credit file from Experian and it states I am not on the electoral roll: "No Electoral Roll Information available from the addresses provided".

I registered to be on the Electoral Roll a few months ago. This was confirmed to me by my local authority and I also received a voting card for the last general election.

Therefore this has shocked me.

I have been applying for bank current accounts over the last few weeks and, disappointingly, been rejected by all of them. I am already in a weaker position than most people as I have a non UK passport, not even an EU one, and mine is from a country which many financial institutions classify as a 'high risk' one. And then to also mark me as not being on the electoral roll would be another negative when banks check my credit record.

I had some questions please:

- if Experian say I'm not on the electoral roll, is it likely the two other credit reference agencies will state the same thing as well?

- what could have gone wrong?

- how long does it normally take for the records of the credit reference agencies to be updated about somebody being on a local authority's database?

- how may I get this rectified please? How long does it take for the credit records to be corrected?

- last, but not least, is it worth me applying to more banks? Or should I wait until the records are updated, even if it takes a few months? How fussy are banks about somebody being on the electoral roll please?

Thanks a lot in advance for the advice.

[bd6759]

You can tell Experian to correct their record if it is wrong. They are legally obliged to do this.

[section 44]

- last, but not least, is it worth me applying to more banks? Or should I wait until the records are updated, even if it takes a few months?

If the rejections show up on your credit report then probably better to prioritise getting that update first.