Credit checks and the Electoral Roll

OK, that's interesting. A mortgage is an application for credit (and a large amount of it!) so I assumed it would was a no-brainer that it would feature. Whatever; I still think it would be pretty unusual for somebody of his age to have avoided the radar of the credit rating agencies.

David

I imagine that the permission is deep within the terms and conditions of any application for credit that you make.

In message , Lobster writes

The last time I got a copy of my credit file neither my mortgage nor my current account, nor a loan I had from my bank appeared there. It would appear that my bank only chooses to report bad credit to the agencies, not good.

Same here. The only information held on me by Equifax relates to things like credit cards, store cards and catalogue accounts.

It is not beyond the realm of possibilities that the person the OP is checking up on has none of these type of accounts.

Snuggles

In message , Lobster writes

Not necessarily, if they were taken very many years ago then they may not appear. Many Current accounts dont appear in any event. E.g. have only just started.

You never will, only the last few years of it. E.g. my file only shows my last three addresses and not my first two addresses or my first two mortgages or the original application search for the majority of my credit cards, only the later ones. None of my bank or building society accounts show at all.

For interests sake I will indicate the New Zealand situation. Although printed copies of rolls are obtainable, computer records are not (apart to registered political parties for electioneering purposes) and the scanning and electronic storage of rolls is illegal. There is provision to be left off a published roll, but this is granted in exceptional circumstances only and such a person would need to do a 'special' (ie absentee) vote on polling day.

Hence the use of electoral rolls by credit outfits is severely restricted - to try to find someone would need a successive lookup on 67 or so separate rolls (the introduction of mixed member proportional representation approximately halved the number of electorates).

At 12:09:32 on 26/11/2005, Lobster delighted uk.legal by announcing:

No.

No. Unless the subject closes all his accounts every time he moves address, and claims not to have any previous addresses when applying for new ones, the lenders will update the file.

May I point out that it is not a legal requirement to register on the electoral roll using your normal name. Many people assume a different name for different purposes. Not illegal unless done witht he intention of criminality.