This is perhaps not quite what you had in mind but for the sake of completeness regarding credit ratings, if you are not on the electoral register you may/will be rejected as unknown (non-existent, in effect) and any financial institution will refuse credit (including a credit card) until the (blind) rating agencies are jolted by you into accepting you exist at your address. If you are not after credit, etc. then your position as described can be a plus because someone who does not exist has little to worry about in many respects. Further, if you have not borrowed or had a mortgage for decades then you are also to be seen by the rating agencies, etc. as undesirable - odd because you would think you should be seen as someone who can (at least potentially unless something else comes to light) best afford to pay off any credit. Talk about the blind leading the blind.