Immigrating to the UK

Best of luck.

Before you know it, you will be in the UK. Remember to buy the whole family Springbok jerseys before coming over. Nothing better to wear it on a day out as world champions . The Brits also appreciate it. (they don't, I do it anyway)
 
I got a letter that I need to register to vote...but I'm just on a skilled worker visa?

Looking at the website it seems I can register...anyone know?

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Priapus said:
Yup, don't need to be a UK citizen as I found out from @Sinbad
The point above also applies to you. Commonwealth citizens include South Africa.
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Sinbad said:
SA is a member of the commonwealth and you have permission to enter the UK
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Yea I figured...but sort of couldn't believe it. Anyway, registered now online, only took a few minutes :)
 
prod said:
Yea I figured...but sort of couldn't believe it. Anyway, registered now online, only took a few minutes :)
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You missed the glory (but mindfcuk) days of being able to vote without any form of ID :D
 
Dave said:
Being on the electoral roll makes a big difference when it comes to credit applications, so it’s a good thing to do even just for that reason.
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My credit score didn't change that much after registering. I see they mention about being on the register for a long time helps but for these first 4 or so months, it's not helping much on the score :confused:
 
2023 said:
My credit score
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FYI


Hold on, I do have a credit score, I know what it is!​

That's a common response. Years ago, credit reference agencies' commercial focus was to make money from providing info to lenders. Consumers' legal right to see their information was a pain they had to suffer. Then some bright spark realised the public was an untapped source of revenue and started looking at things to sell or market to them.

A big one was a credit score (leveraging people's residual knowledge that this is real in other countries). That's why they now give you a seemingly important number – for Equifax it's out of 1,000 or 700 depending on which site you get it from, TransUnion 710 and Experian 999 – that apparently dictates your financial life.


www.experian.co.uk

Six common credit myths

There are a lot of myths about debt, credit reports and credit scores which can be easily misinterpreted. Here we demystify some of the misinformation about the world of credit to help you make better financial decisions.
www.experian.co.uk www.experian.co.uk

There is no universal credit score. Each credit reference agency will give you a different score on a different scale. Of course, the higher this is with each agency the better.

When you apply for credit, lenders don’t use this score. They use your credit report information, your application details and any recent history of previous accounts with them to calculate an overall score for you.
 
Dave said:
There is no universal credit score. Each credit reference agency will give you a different score on a different scale. Of course, the higher this is with each agency the better.

When you apply for credit, lenders don’t use this score. They use your credit report information, your application details and any recent history of previous accounts with them to calculate an overall score for you.
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A little contradicting there. Lenders don't use the score but the higher the score the better. If they don't use it, then why is higher better?

Personally, I'm find that having no unsettled accounts, not opening accounts and keeping stable bank details impacts the score more than registering to vote. I just check in my banking app the score every month or so, but reading up it's mostly just a waiting game between stages of level of credit you can apply for. Just don't black mark yourself in the process.
 
2023 said:
A little contradicting there. Lenders don't use the score but the higher the score the better. If they don't use it, then why is higher better?
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They don't use that score directly. That score is calculated by the credit agency to present to you.
The lenders have their own scoring system that they will apply based on the various factors listed in your report.
 
2023 said:
A little contradicting there. Lenders don't use the score but the higher the score the better. If they don't use it, then why is higher better?

Personally, I'm find that having no unsettled accounts, not opening accounts and keeping stable bank details impacts the score more than registering to vote. I just check in my banking app the score every month or so, but reading up it's mostly just a waiting game between stages of level of credit you can apply for. Just don't black mark yourself in the process.
Click to expand...

Not being on the roll can be an instant fail for some things, as Sinbad says, that “score” is only seen by you and the agency, the credit supplier will have various criteria that it uses to assess your rating and just having a high “score” doesn’t mean they’ll accept you.
 
Sinbad said:
They don't use that score directly. That score is calculated by the credit agency to present to you.
The lenders have their own scoring system that they will apply based on the various factors listed in your report.
Click to expand...

So saying that being on the voters register improves your chances may not be true, because we do not know the details of the lenders scoring systems.

The only indication we have that it's relevant is the 3rd party scores, who in my case have deemed voters register to be a small contributing factor to scores. I read somewhere that it helps improve the longer you have been register to vote and not moved around.

I haven't read on any leaders sites about these (I haven't looked) but it sounds like we are just specualting on what is important and the only reference you will get is from the 3rd party's providing scores as guidelines.
 
2023 said:
Is this speculation, or is there somewhere that says as much from a lender themselves?
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Being on the voter's roll goes a very long way towards establishing your identity, as it links a name to an address.
If you don't have that link, it's very likely that a lot of your credit info will not be connected up, resulting in what they call a thin file when they do a search on you - and so you'll get a low score because there's nothing positive showing up.
That link is also a factor in the risk calculations. If your address is stable, you're more likely stable.
 
Sinbad said:
Being on the voter's roll goes a very long way towards establishing your identity, as it links a name to an address.
If you don't have that link, it's very likely that a lot of your credit info will not be connected up, resulting in what they call a thin file when they do a search on you - and so you'll get a low score because there's nothing positive showing up.
That link is also a factor in the risk calculations. If your address is stable, you're more likely stable.
Click to expand...

I'm pretty sure that is what's happening with me, I can't even sign up to Experian for example
 
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