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Previously the Electoral Commission estimated more than 3.7 million people across the UK failed to register to vote in 2000. This new research indicates that the figure may now be significantly less than six years ago, but never the less remains high. debt consolidation and credit

Barry Stamp, Joint Managing Director of checkmyfile.com, the UK leading online provider of credit reports to consumers, says ost consumers are unaware of how important electoral roll registration is to their credit score the magic number that lenders use to determine whether a consumer credit application is acceptable, and increasingly, to decide what interest rate to charge. BR check credit rating

ailing to register on the electoral roll can mean a lender cannot match a consumer with their credit file at the credit reference agencies. When that is the case, lenders will normally refuse an application rather than lend with no information to base a decision upon. Even when an applicant credit file can be traced, despite not being on the electoral roll, by reference to other lender records, their credit score is likely to be lower simply because the applicant is not registered on the electoral roll at the current address. Most lenders now grant credit using risk based analysis, and a lower credit score means a consumer can expect to be charged a higher rate of interest, he adds. improve credit rating

An analysis of the electoral roll non-registration otspots reveals the local authority areas worst affected tend to have a larger non-white population, or large military camps within their administrative border. They also, often, have a afe political environment, where one political party has held a parliamentary seat, without any competition, for some time. credit online rating report

Compared to the national average of 3.47% of population not being registered on the electoral roll, the top 10 local authority hotspots are: Kensington and Chelsea 35.4% Westminster 34.4% Forest Heath 24.2% City of London 21.8% Hammersmith and Fulham 19.5% Camden 18.3% Kingston upon Thames 17.2% Richmond upon Thames 17.0% Preston 16.8% Islington 15.9% Or, if determined by the number of persons not registered, rather than percentage: credit score rating scale

Westminster 59, 501 Kensington and Chelsea 54, 016 Barnet 38, 017 Sheffield 34, 688 Camden 32, 353 Hammersmith and Fulham 28, 251 Newcastle upon Tyne 27, 068 Brent 26, 895 Bristol 26, 254 Leeds 24, 862 The credit reference agencies purchase the electoral roll annually from each of the 430 electoral registration offices across the UK. They update their version of the electoral roll within a few months of the October registration deadline and also purchase monthly updates from as many authorities as possible. bad card credit credit people

ur advice to consumers who have not registered is to do so straight away adds Stamp. nce the information is passed to the credit reference agencies, a credit file will be significantly improved. More importantly, the prospects for getting credit at a reasonable price improve with up to date information. free credit rating report

*Checkmyfile.com research compared the latest local authority population estimates with the latest electoral roll registration statistics provided by the Office of National Statistics. The Times - heckmyfile.com offers the most exhaustive credit check and presents it in a very comprehensive way /i The Good Website Guide 2006 described checkmyfile.com as ery useful and informative. /i credit rating scale

checkmyfile -credit check - Millions of Britons could face fines of up to, 500 if a national identity card scheme becomes law. Would you be one of them Email: Password: Password reminder Home Check your Credit Report Free Credit Score Find a Lender Debt Advice Centre Check your Postcode Free Identity Theft Check Millions of Britons could face fines of up to, 500 if a national identity card scheme becomes law. Would you be one of them

Millions of Britons could be stung by fines of up to, 500, if plans to make town hall officials olice the government proposed identity card scheme become law. A government consultation document has revealed ministers are considering imposing fines of up to, 500 for anybody who fails to register or keep their records up to date with a national identity card agency. Conservative e-government shadow minister, Oliver Heald, said local authorities could be made to investigate discrepancies between a new electronic electoral roll and the database to be used for the proposed ID card scheme. bad credit rating

his could mean that councils end up acting as the local olice for the ID card agency, and track down those who fail to inform the state of their new address or family circumstances, added Mr Heald. With more than 4 million UK residents believed to have failed to sign up with their local electoral registration office, the government could land a windfall of 0 billion in fines. The 2005 electoral roll has recently been updated by the credit reference agencies, which is used by the three companies to verify consumers identities. credit rating agency

You can check your details have been updated correctly by purchasing your credit files online @ checkmyfile.com. If you are not on the credit reference agencies version of the electoral roll, or a mistake has been made in your entry, you could be refused credit by lenders, or face the prospect of paying hundreds of pounds extra in higher interest rates. Editor s Note Launched in 2000, checkmyfile.com is the UK first Internet based credit reference agency, aimed firmly at serving consumers. checkmyfile.com is fully independent and was the first in the UK to provide consumers with online access to their credit files, to offer consumers the ability to check their own credit score for free and to give plain English explanations of how credit scoring works. With over 1.1m registered customers and visited by over 20, 000 unique new visitors every day, checkmyfile.com is ranked within the World top 50, 000 websites. credit rating canada

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Identity Theft

Find out for FREE how to raise your defences against this fast growing crime using advice based on your lifestyle and where you live. credit score rating chart

checkmyfile -credit check - Don tell burglars how long they e got to strip your home Email: Password: Password reminder Home Check your Credit Report Free Credit Score Find a Lender Debt Advice Centre Check your Postcode Free Identity Theft Check Don tell burglars how long they e got to strip your home

With around 1 million Britons expected to escape to the winter sunshine this Christmas, credit information experts at checkmyfile.com are warning holidaymakers not to let their automatic email replies and answer phone messages give their plans away to criminals. credit mortgage rating poor

Barry Stamp, Joint Managing Director of checkmyfile.com, the UK leading online consumer credit reference agency, said as ut of office email and voicemail responses have become commonplace, many people are leaving themselves wide open to burglary. good credit rating score

ith so much unsolicited junk email being received, most automatic replies will reach total strangers, giving a window of opportunity to anybody intent on fraudulent activity. From some of the automated email responses we have seen, it is relatively easy for burglars to work out the exact location of empty properties using publicly available databases. BR poor credit rating loan

e never fail to be shocked by the extent of information that automated responses give. These quite often divulge the exact absence period, sometimes the holiday destination and inadvertently disclose pieces of personal information, says Mr Stamp, author of dentity Theft - Prevention and Victim Assistance bank credit rating

t like putting a sign up in your front garden saying you e away on holiday until January 2 he warns. To avoid becoming the victim of burglary while away over the festive period, five Do and Don s of using automated responses are recommended: credit card for poor credit

1. Ask yourself first if you really need an automated response to be set up. If you have an urgent matter which is likely to blow up whilst you are away, it far better to warn your key business contacts of your absence and to give a trusted work colleague your emergency contact details instead. business credit rating

• In the event that you do not pay us for any reason, including the failure by your bank to pay a standing order, or cheque issued to us, or the action of you charging back a credit card or debit card transaction for any reason, you agree that we may record details at a credit reference agency (which may or may not include us, as we are a registered credit reference agency ourselves) together with your name and address and date of birth details, so that we and other organisations who search that credit reference agency may use such information for the purposes of payment risk assessment, money laundering and fraud prevention. The sharing of information in this way helps to reduce bad debts and credit fraud. moodys credit rating

• You acknowledge that we may be required to reveal information about you or your credit files under compulsion of law or by a Court Order. In all other cases we shall keep your information confidential unless you agree otherwise. credit card with bad credit

• Refund policy For the reasons given in clause 2, payments made for online services, such as our Single Agency Report, Triple Agency Reports (whether purchased singly or through the Unlimited Access service), are not refundable. Triple Agency Reports If you purchase a single Triple Agency Report and we are unable to obtain a successful search from an agency, we will refund you automatically with .65 per unsuccessful search. If we are unable to obtain a successful search from all three agencies, we will refund you in full. Refunds will be made direct to your card automatically. personal credit rating

Unlimited Access If you purchase our Unlimited Access service, we will continue to try to resolve the reasons for unsuccessful searches during your subscription period. If we are unable to obtain a successful search from any agency after our attempts to resolve, we will refund you automatically with .98 per unsuccessful agency, or in full if we are unable to obtain a successful search from all three agencies. In addition, you may cancel your subscription at any time after the first quarter, simply by emailing us. Once you cancel, no further credit reports will be made available to you. To keep things simple, there is no refund for any unutilised portion of any quarterly subscription period. If you have taken an annual subscription we will refund you for each full month remaining in your subscription period up to a maximum of 0. unsecured loan for bad credit

Publications and other non-personalised goods For goods that are not prepared on a personalised basis, you have the legal right to cancel your order and return the goods you have purchased from us within seven business days of the date you receive them, as long as they remain in their original condition. This does not apply to any publication, packaged product or software product where the security seal or packaging has been removed or tampered with. Goods should be returned to us in secure packaging, with the correct level of postage affixed and must include your own name and address details to enable us to refund you. We strongly recommend that you use a recorded delivery service to ensure the goods arrive safely. We will notify you when we have received the returned goods and will refund the price you have paid within 30 days of receipt of the returned goods. credit rating company

• Credit reports are made up of information from several different sources which are updated at different time frequencies. Lenders send an update of the status of accounts reported on your credit file to the credit reference agencies not more frequently than once each month. For this reason, we also update credit reports no more frequently than once a month. Unlimited access to your credit file means that you can view your credit reports as often as you like, but the content will not be refreshed unless the most recently refreshed credit file is more than one month old. If you have purchased a Triple Agency Report using our Unlimited Access service and choose not to visit the website to refresh the credit report, we shall automatically obtain a fresh report every three months whilst you continue to pay the quarterly fee. canadian credit rating

From time to time it is not always possible to obtain your information from one or more of the credit reference agencies. This is usually because your address recorded at the credit reference agency may be indexed slightly differently from the one you have provided us. If we cannot obtain your credit file from a credit reference agency, it is highly likely that lenders using that credit reference agency will also have difficulty obtaining your credit file, as the systems we use are very similar. We will tell you if this happens and will try to resolve the problem, as unless resolved this could affect your ability to get credit. credit union rating

Some credit reference agencies report significantly more information than others through online links, both to us and to the companies that use them. To our knowledge, no company can provide more information online from all three credit reference agencies than we can. The information we provide may not be identical to that which can be obtained elsewhere. For example, we do not provide lender names for Equifax data, as they do not supply this information to us or to lenders, but that information can be obtained in most cases by exercising statutory rights. Currently, not every type of data is available online from every credit reference agency. corporate credit rating

• Governing law and jurisdiction We operate this website from our registered office at 13 High Cross Truro Cornwall TR1 2AJ England. In common with most others, this website can be accessed from almost anywhere in the World. If you are not accessing the website from England or Wales, the laws that apply to your country may well differ from those of England. In accessing this website, you agree that these terms and conditions and your use of this website shall be governed in all respect by the laws of England, without regard to conflict of laws or other regulation and in particular shall not be governed by the United Nations Convention on the International Sale of Goods. You also agree to process, store and keep confidential all information as if you are subject to the Data Protection Act 1998 You further submit to exclusive jurisdiction of the courts of England for all disputes, cases and controversies regarding this website, your use of this website and your relationship with us, subject only to your option to use the dispute resolution process set out in clause 18 above. We make no representation that materials on this website are appropriate or available for use in other locations. Accessing this website from territories where the content is illegal or unlawful is prohibited. If you choose to access this website from other locations then you agree that you do so entirely at your own risk and that you are responsible for compliance with local laws including any laws regarding the transmission of data exported either from England or from the country in which you reside, or from the country you are in when you access the website. credit rating fix

• Prize Draw rules bad credit loan personal

1. No purchase is necessary. credit how improve quickly

2. To enter the Prize Draw, complete either of our 2007 surveys the Banking and Credit Card survey or the Mortgage Lender survey - and send a blank email to survey2007@checkmyfile.com before 30 November 2007. fico credit rating

3. The Prize Draw is open to all registered customers of checkmyfile or givemecredit currently resident in the UK. improving credit rating

4. Only one entry is permitted per registered checkmyfile or givemecredit customer. mortgage credit rating

5. The winner will be selected randomly from all valid entries. average credit rating

6. The winner will be notified by email by 15 December 2007. The name of the winner and the town or city of residence will be published on the checkmyfile website on 15 December 2007 for 30 days. loan for people with poor

7. The winner must respond to the notification email within 30 days to be eligible to receive the prize. We will respond to the winner within one working day. bureau credit rating

8. The prize is a 3 night break in February 2008 for two people comprising accommodation at the Jumeirah Beach Hotel in Dubai and flights from London arranged via a travel agent selected by us. A cash alternative of 00 may also be chosen by the winner if preferred. find credit rating

9. Any persons currently or previously employed by checkmyfile and their immediate families shall not be eligible to enter the prize draw. increase credit rating

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See and compare information held about you at each credit reference agency. All laid out in the same, easy-to-read way. Tell me more From 6.95 Buy now credit rating uk

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