Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.
Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.
Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.
Topics addressed on February 19, 2010:
Taking your wife’s name after marriage
I just recently married, and I am taking my wife’s last name. Is there a form I need to keep my current credit?
I admire people who challenge convention. As you know, the bride traditionally takes the groom’s name, and so it is her credit report that is usually the one that is affected. But, the process for updating your report is the same and you don’t need to send any forms.
A new credit report is not created using your new name. Instead, your new name will be added to your existing credit report. The process is essentially automatic.
You simply notify your existing creditors of the name change. They will update their records and report the new information to Experian, resulting in your new name becoming part of your credit report.
Another way your name is updated is when you open new credit accounts. The lender will report the account to Experian and your credit report will then be updated to include your new name.
Your previous name will continue to appear in your identification section as long as it is associated with previously held accounts. That is important to ensure that your credit history is complete and accurate.
Congratulations and thanks for asking.
- The "Ask Experian" team