In 2015, I opened a CreditKarma account to monitor my credit even though I had no credit history at the time.
In 2017, I successfully applied for a secured credit card with a low credit limit based on what I had at US Bank.
Also in 2017, I got a PayPal Credit account.
Later that year, I got a credit increase on my secured credit card.
Twelve months later, from the day I first opened the secured credit card, I successfully converted it to an unsecured credit card.
Also in 2018, I applied for the Synchrony Bank CareCredit programme.
In Summer of that year, I got a credit increase on my PayPal Credit account.
After experiencing some financial hardship, I contacted an organisation that is certified by the NFCC. It is called Money Management International. I asked if I ought to file bankruptcy.
After reviewing my debts and credit reports and not seeing any past due payments, they determined that I was still within a manageable range, so they got permission from me to contact all three of my creditors and close the accounts to further purchases and thus lowering the minimum payment amount.
In November 2018, I legally changed my name, and a month later I reported this to one of the three creditors--US Bank.
In January 2019, I updated my name with the Social Security Administration.
In February or March 2019, I contacted MMI and gave them evidence of the legal name change.
In April of 2019, I contacted Synchrony Bank to update my CareCredit account, and then realised that PayPal Credit also used Synchrony Bank.
Also in April 2019, I contacted Equifax and Experian via facsimile and gave them evidence of the legal name change. I received updated credit reports with the new legal name.
In September 2019, after having sold a large amount of property and withdrawing funds from a savings account, I paid off two of the three credit accounts--US Bank and PayPal Credit.
In October 2019, I got an attorney to contact Experian because they continued using my old legal name, particularly in their E-mail correspondences, and they were able to get them to update it again.
Also in October, I found out that while Synchrony CareCredit had updated my name, PayPal Credit hadn't.
In November 2019, I paid off the last credit account--CareCredit.
Two days later, I tried applying for a loan to pay back the rent I fell behind on since 2017, but was turned down.
On that same day, I wrote a letter and sent it via snail mail to TransUnion, asking them to update my legal name. In nine days, I received an updated credit report. Note: I actually called them just to make sure they got it. It said that I have been on their file since October 5th, 2018.
Six days after the denial of the loan application, I got a general letter that displayed my credit score, which was 719 (FICO)
Two days later, I got the notice of adverse action from US Bank, and it stated that I was denied the loan due to insufficient number of satisfactory rated credit references.
In December of 2019, I applied for a credit line and was also turned down.
Four days later, I applied for another credit line and was denied.
Having made three hard enquiries in a short amount of time, I decided to close my old CreditKarma account after having discovered that US Bank and CareCredit did not report anything after the name was changed, though PayPal Credit was still on there since they didn't update my name.
A few hours ago, I opened a new CreditKarma account under my new, legal name and found that under credit age, it looked as if it were brand new. It said that lenders typically wanted to see that I had lots of experience with borrowing responsibly. Note that I used the same Social Security number both times... when I first made an account, and then after I deleted the old one and created the new one. I also saw all my closed accounts listed on CK except my PayPal Credit one.
I recently pulled a report from Transunion and discovered that it was indeed split in two, because the one under my old name says that I've been on their file since August 22nd, 2012. So, I re-sent them a letter asking them to merge those reports together, and then I also sent a copy of that letter to PayPal Credit.
According to my credit reports, there were no negative remarks of any kind, but going through this legal name change has made it almost impossible for me to get the credit I need to pay back rent within the next sixty days. I don't want to start all over at the beginning with me having to get another secured credit card. If all else fails, I will possibly have to consider next steps.