Timeline for How can I regain my credit history after having legally changed my name?
Current License: CC BY-SA 4.0
29 events
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| Oct 14, 2020 at 9:13 | comment | added | The Harmonic Rainbow | UPDATE: one thing was overlooked, so I thought I'd add it. If you remember from reading my timeline, I said that MMI would only work with me if I agreed to close ALL my accounts to further purchases. As I found out some months back, closing your oldest credit accounts can have a bad impact on your credit score, so that was definitely a major contributing factor. I'm well on my way to recovery thanks to having made contact with help from the CFPB. | |
| Jan 22, 2020 at 13:29 | history | edited | The Harmonic Rainbow | CC BY-SA 4.0 |
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| Jan 22, 2020 at 13:17 | comment | added | The Harmonic Rainbow | I updated this question a little bit, and I also found this link to be helpful because I am considering next step. creditcards.com/credit-card-news/… | |
| S Dec 17, 2019 at 3:05 | history | bounty ended | The Harmonic Rainbow | ||
| S Dec 17, 2019 at 3:05 | history | notice removed | The Harmonic Rainbow | ||
| Dec 9, 2019 at 19:03 | vote | accept | The Harmonic Rainbow | ||
| Dec 9, 2019 at 19:03 | comment | added | The Harmonic Rainbow | I changed my entire name, and that's one of the reasons I created a timeline. I know for a fact that US Bank uses my new legal name, and I saw CareCredit listed under my new legal name. But unfortunately, PayPal Credit is not one of them, so I prepared a letter to be mailed to them today. | |
| Dec 9, 2019 at 18:41 | comment | added | lizziv | @HeavenlyHarmony That does seem odd and shouldn't happen when you change your name! I changed my last name two years ago and the update to my credit report was automatic after I changed my name on my accounts. The order of events for changing your name seemed a bit unusual; typically you can't change your name anywhere until you change it with SSA but it sounds like you might not have contacted SSA until after updating some of your accounts(?). You may want to confirm that the name change was processed correctly on your accounts. | |
| Dec 9, 2019 at 18:00 | history | tweeted | twitter.com/StackFinance/status/1204098570003111936 | ||
| Dec 9, 2019 at 17:39 | comment | added | dwizum | You could always just call the bureaus if you're interested in the fastest possible answer. But it does sound like you need to get the updated details to your older creditors and also reach out to the bureaus. | |
| Dec 9, 2019 at 16:24 | comment | added | The Harmonic Rainbow | I wonder if there's a way to expedite the process? I don't want to snail mail them again unless I have to. I've tried the on-line system, but I had some problems with it. | |
| Dec 9, 2019 at 16:20 | comment | added | The Harmonic Rainbow | Here's an example. TransUnion says, You have been on our file since 10/5/2018. That is inaccurate because I have had accounts open before that. I went to AnnualCreditReport-com, and I got copies of my credit report under my new legal name. All I see are the two credit accounts, not including PayPal Credit, but that's probably because PPC did not update my name. I just see CareCredit and US Bank. I am thinking of writing to PPC and seeing if they will update it, even though the account's already been closed and paid off. | |
| Dec 9, 2019 at 16:13 | comment | added | lizziv | @HeavenlyHarmony Can you clarify: when you pull your credit report from Transunion, Equifax, and Experian, do you see all your accounts that you opened in your old name? And if yes, do you see all the history? Or is something missing off your credit reports? Note, I am not asking about what shows up in Credit Karma, I'm asking about the actual reports from the credit bureaus. | |
| Dec 9, 2019 at 15:37 | answer | added | Ben Voigt | timeline score: 1 | |
| Dec 9, 2019 at 13:54 | answer | added | dwizum | timeline score: 4 | |
| Dec 9, 2019 at 13:42 | comment | added | dwizum | It may be best to cut CreditKarma out of the loop and work directly with the bureaus. Look at the reports they are providing and work with them on the name change. It sounds like you've already been in touch with them but what really matters is what they provide creditors, not what shows up in CreditKarma. | |
| Dec 9, 2019 at 13:10 | comment | added | The Harmonic Rainbow | Which service provider do you mean? | |
| Dec 9, 2019 at 9:23 | comment | added | mootmoot | I suggest you raise the question to the service provider. It is likely that they did not anticipate people changing their name. I bet that they still have a copy of your record under the old name. | |
| S Dec 9, 2019 at 6:29 | history | bounty started | The Harmonic Rainbow | ||
| S Dec 9, 2019 at 6:29 | history | notice added | The Harmonic Rainbow | Draw attention | |
| Dec 7, 2019 at 22:04 | history | edited | The Harmonic Rainbow | CC BY-SA 4.0 |
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| Dec 7, 2019 at 21:25 | history | edited | The Harmonic Rainbow | CC BY-SA 4.0 |
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| Dec 7, 2019 at 21:18 | comment | added | The Harmonic Rainbow | Yes, both times. | |
| Dec 7, 2019 at 18:12 | comment | added | mhoran_psprep | Did you have to include your Social security number when you created a Credit Karma account? | |
| Dec 7, 2019 at 14:40 | history | edited | The Harmonic Rainbow | CC BY-SA 4.0 |
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| Dec 7, 2019 at 14:26 | history | edited | The Harmonic Rainbow | CC BY-SA 4.0 |
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| Dec 7, 2019 at 6:40 | history | edited | The Harmonic Rainbow | CC BY-SA 4.0 |
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| Dec 7, 2019 at 6:33 | history | edited | The Harmonic Rainbow | CC BY-SA 4.0 |
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| Dec 7, 2019 at 6:21 | history | asked | The Harmonic Rainbow | CC BY-SA 4.0 |