Register to vote and improve your credit score?

vote Voting is a pain - not least because picking a candidate to vote for is often like choosing which debilitating disease you'd like to contract.

However, your credit score could depend on it, which means that, come the general election, it'd be worth voting for someone or spoiling your ballot, just to keep your credit score up.

So what's all this about? Well, in 2014, the UK started moving toward the Individual Electoral Registration (IER), which means that the head of the household no longer registers everyone who lives under their roof. Mercifully, you can register online, so you don't have to try and cajole any lazybum teenagers into getting off the couch for too long.

People who have moved house are less likely to be on the voting register because of reasons, which causes voting problems in the renting sector.

And all this will affect your ratings because, for example, credit reference agencies use the electoral register to confirm that you live where you say you live and companies use the electoral roll to confirm you are who you say you are. If you're thinking about getting a mortgage, then being on the electoral list is paramount. Basically, it is used to try and stop fraud.

As well as that, if you're not on the list, you can't vote, which means you might be shunned at dinner parties by your chest-beating pals who like to parp on about such things... not that Jeremy Paxman and Russell Brand vote, but there you go.

Either way, being included on the electoral register means you'll have a healthier credit score. Now, conspiracy theorists: Do your worst.

What do you think?

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