Register to vote and improve your chances of getting a loan

12 April 2010


The election then. You’re probably already bored rigid with talk of it even though it’s not happening for another three and a half weeks.

You might be one of those non-voters, giving it all that ‘Yeah, doesn’t matter who you vote for, the government still get in,’ and ‘They’re all a bunch of trough-gobbling cock-heads’ and ‘I heard a rumour about my MP – turns out he’s into snuff, sailors and Saturday Night Fever.’

That’s fair enough, but it turns out that if you’re so apathetic that you haven’t even bothered to register to vote, you’re probably affecting your chances when it comes to getting credit for yourself.

You know, borrowing money that you’ll spunk away on cars and electronic goods you don't need, and then blaming the government when you can’t afford the repayments and your house gets repossessed.

But not being on the electoral roll can affect your credit score – being registered to vote helps to verify your identity and will work in your favour when it comes to obtaining those consumer goods that you're only buying in order to fill a hole caused by a chronic lack of self-esteem. You complete tit.

Anyhoo – you’ve got until 20th April to register  if you want to vote on May 6th. Get yourself along to for a sniff of what it’s all about.


  • turtles
  • my_lovelyhorse
    Not one of them deserve my vote, so I am not even registering.
  • IfYouCopyMyNameYouAreGayIsGay
    Sigh, They have a fancy signup process, with electonic postcodery searches and all that shizzle - then what do they do? Make you print off the bloody page and post it in. Can't be arsed, my credit rating's shite, and they're all a bunch of salty nobjackets anyway.
  • The B.
    Um, could it be because if you're not registered to vote they can't track your credit rating properly? The central lookup is the council tax/electoral roll, if you're not on the electoral roll then you undoubtedly don't pay council tax so your credit rating is shafted.
  • IfYouCopyMyNameYouAreGayIsGay
    No, its because I buy things to aid my failing self esteem that I neither need, or neither afford. I then barter with suppliers of said goods, attempting to swap xbox 360's for half eaten cabbages, and the PS3 for a Biro that the TV licensing people accidentally left here when I convinced them the TV was only decorative.
  • bob
    If you didn't know that not being on the electoral roll affects your ability to get any sort of credit then you're a fucking idiot who deserves to shop at Bright House or any of the other chav honeypots.
  • The 5.
    [...] buying in order to fill a hole caused by a chronic lack of self-esteem. You complete tit.” Register to vote and improve your chances of getting a loan, by Andy Dawson, Bitter Wallet, April 12, [...]
  • scareymary
    Yeah, ive never been one to vote BUT that is not a good enough reason to not be on the electoral roll.. in fact its very important if you want to get a mortgage, credit, open a new bank acount etc etc etc. Too many misguided chavs seem to think that they wanna be annonymous by not going on the electoral roll. This ofcourse is utter bullshit as there are many other ways to know where you live. Through there ignorance they are having important finantial doors slammed in there faces. No need to vote but at least register your name on the roll.
  • Rachel
    Same old rubbish in this article about how selling voters’ private and confidential voting registration information to credit reference agencies is, somehow, in some never-adequately-explained way, of tangible benefit to the millions of voters that have their privacy abused in this way every single year. It helps you get credit, it prevents identity fraud – allegedly. I’m surprised they don’t claim it helps you to win the lottery too. Well – newsflash – I'm not registered, and, funnily enough, this has never caused me to have any problems getting credit; I have a mortgage, a car loan and a mobile phone contract, all without fuss. I'm not interested in obtaining a credit card, despite the barrage of junk mail that implores me to accept one that regularly lands on my doormat, but I've no doubt I'd be able to get one of those too without difficulty if I wanted to. As for credit reference agencies somehow protecting financial institutions against fraud and defaulters; well, that theory worked out really well for avoiding the credit crunch (caused by mass defaulting on loans by people that should never have been offered credit in the first place), didn't it? Perhaps if financial institutions didn't rely on something as half-arsed and irrelevant as electoral roll information for making their more borderline lending decisions, we'd all be in a better financial state as a country. If selling voters’ confidential information is such a boon to the man in the street, why don’t MPs pass laws that require people to register on a formal Credit Reference Register? No doubt such a piece of legislation would be of such immense benefit to mankind that no-one could possibly object? Surely?? On the subject of privacy and the electoral roll, I know that MPs understand very well the issues that make me and others like me choose not to register, because MPs themselves voted to have their own names excluded from the register that is available to credit reference agencies. (What, I hear you cry, but don't MPs *need credit too*? How on Earth do they cope not having their personal address details shared with Experian et al??). For us ordinary citizens, if you have valid concerns about the privacy and security implications of having your voter registration details sold to credit reference agencies, the process to get yourself removed from the version of the register that is passed to those agencies is by contrast made unfeasibly difficult and bureaucratic. It involves getting permission from a Chief Constable or similarly-unreachable individual, should you want to apply to have your privacy respected. And, even if by some miracle you are officially recognised as deserving the self-same protection as MPs enjoy by default from having your details published on the register as made available to credit reference agencies (which will typically happen only where you have a court order such as a restraining order against someone that you fear may find out where you live if your details are shared with CRAs), you need to re-apply to ensure your protection in continued, *every single year*. Again, MPs do not have to do this – funny that, isn’t it? It’s almost as if they know full well that such a bureaucratic and time-consuming system is designed to fail. Until and unless meaningful legislation is passed to ensure that my privacy and security can be guaranteed, without me having to get a Chief Constable’s permission just to avoid my own information being sold to a third party, I will simply continue to refuse to register to vote, whatever the consequences. Because, so far, the consequences of registering seem far worse from my perspective than the consequences of not doing so.
  • Rachel
    I haven't registered to vote in eight years (mainly because, actually, I object to my personal information being sold to credit reference agencies, as well as being made available for other purposes for which it was not collected - e.g. jury duty, when other privileged people - e.g. MPs - do not have to suffer that invasion of privacy merely to obtain the right to vote). In that period, my non-registration hasn't stopped me from: 1) getting a mortgage, 2) securing two car loans, 3) receiving an all-clear on a Disclosure Check that I needed for a job, and 4) passing Developed Vetting security clearance (part of which involves doing a credit check!). Funny that, isn't it? Maybe registering to vote for the liars, con men and unconvicted war criminals that occupy the Houses of Parliament isn't as important for individual voters' financial and career health as they'd like you to believe?

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