Why can't I get a credit reference?

If you have been denied credit because your bank or credit reference agency is unable to verify your details on the electoral register, this is because the electoral register is often used for credit referencing purposes to counteract fraud.

In this case, you need to contact your local electoral registration office for confirmation that you are registered. To find their contact details, enter your postcode in the 'Your local area' section of our homepage.

They will be able to supply you with a letter confirming your details on the electoral register, possibly at a charge. Sometimes the records maintained by credit reference agencies are incorrect – they should be able to supply you with a copy of your record so that you can check the details.

If you have already provided confirmation that you are registered to your bank or credit reference agency, then any further problems will have to be taken up with them.