Hi everyone I need some urgent advice, any opinions really appreciated. Here is my situation: I currently own a property with a single mortgage with Intelligent Finance. I am buying a new property and converting my mortgage to a Joint mortgage with my partner. We have had our offer on the new house accepted. We have both checked our credit reports with Experian and Equifax. Our scores with Experian are 971 and 999 respectively. With Equifax are scores are in the 'Good' and 'Excellent' range. HOWEVER, we have realised that my partner is not, and has never been, on the Electoral Register at the address she is using to apply (although she has 12 years there). We rent a place during the week and she registered on the electoral roll there rather than the address where all her credit cards and bank records are located. Intelligent Finance tell me they use Equifax and that Electoral Roll info is requested through the credit check but they won't advise if this is a primary reason to refuse. However I have seen reports from people on the internet turned down for mortgages purely based upon not being on the Electoral Roll when checks are made with equifax. The advise I need is: - Are IF likely to turn us down despite both having good credit scores as my partner is not on the register? - Do I take the risk and make a joint application now, as our records are currently not linked and if we are turned down I am told we are then linked going forward? - Could my partner use our rental address to make her application where she is on the electoral roll (with the drawback that she has no credit cards or history at that address and we have only been there for 18 months). Would those drawbacks offset the benefit of being on the roll? - Will getting declined mean IF will not lend to either of us again in the future? I want to stay with them as I have an excellent low cost tracker rate. If we add my partner to the electoral roll I'm told it won't be updated until May and then Equifax may not update their records until June or later. Therefore if we try to delay the process we will almost certainly lose the house we have got the offer on and have to wait 3 months or more and start the whole house hunt process again. Any advice appreciated! regards David

Hi. Any help with this would be appreciated. I share my name with my father (though we have different middle names, and these are displayed on my file) and his electoral roll info appeared on my Equifax credit file last year. The electoral roll section shows my info, covering my time at my parents address and my current address, and my father's. This hasn't really been a problem until last week when I was alerted to new credit agreement with Vanquis Bank on my file. My first thought was identity fraud. However, a conversation with my mother revealed it was my dad's new credit card. I plan on contacting Equifax to remove the credit agreement -- that's not the problem -- but I assume the reason this happened is the electoral roll information. My problem is that previous communication with Equifax regarding this electoral roll mistake have been met with a response of: "tough luck, there's nothing we can do, you'll just have to live with it," or words to that effect. My question is: do I just have to accept it, and is there really nothing they can do to resolve this? Thanks. ♥