Cannot Get Credit

[fruitsalad]

I've recently moved and thought to help with the cost of some new bits and pieces, for the new home I would get them through mail order, but I keep getting refused, could this be because I am not on the electoral roll yet?

[ubasses]

No, when you apply, if you have moved within 2 years, you should be asked for your previous address and both old and new will be searched. As long as you were on the voters roll at your old address that should be sufficient.
Get a copy of your credit report before applying again to ensure there is nothing adverse on it, too many searches going on your record will start to affect your chances.

[Buenchico]

>>> As long as you were on the voters roll at your old address that should be sufficient

I have a lot less confidence in that statement than Ubasses appears to have!

One trick that identity thieves use is to pretend to be someone (who hasn't changed addresses at all) and to get credit by telling lenders that they've now got a new address. (That explains to lenders why they're not on the electoral register at the new address and brings up a positive result when the old address is searched). So it really can make a great deal of difference if your name doesn't appear on the electoral roll at your new address.

If you've not already done so, register to vote at your new address. You can do it online here:
https://www.registertovote.service.gov.uk/register-to-vote/start
We're currently in the 'annual canvass' period, which means that the credit reference agencies should get the information on 1 December if you register now.

[ubasses]

Don't know what happened there, part of my sentence had disappeared.
I typed -As long as you were on the voters roll at your old address, and can produce proof of address for the new, that should be sufficient.