How Do You Change Your Name on Your Credit Report?

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Dear Experian,

I have changed my name through naturalization. How can I change my name in my credit report?

- SLY

Dear SLY,

All you have to do to have your name changed on your credit report is have your creditors change the name attached to your existing accounts. Your new name will be added to your credit file automatically when the account information is next reported by your creditors, usually after the end of the billing cycle. Opening a new account using your new name will also cause it to be added to your credit history when it is reported by the new lender.

Be consistent with the new name you provide to your lenders and anytime you apply for new credit or services.

You can check to see if your new name has already been reported by requesting your free credit report from Experian. You can also get a free copy of your credit report from each of the three credit reporting companies at AnnualCreditReport.com.

Previous Names Will Still Appear on Your Credit Report

Your previous name will continue to show up on your credit report, but your new name will become the primary name on the report. Experian lists all names and name variations associated with your identifying information to help make sure your account records are matched up to your report correctly. Doing so also gives you a complete and accurate record of what your lenders are providing, which could enable you to identify potential fraud.

Personal Identification Information Does Not Impact Credit Scores

Personal information, such as names, addresses, phone numbers, date of birth and employer names, does not impact your creditworthiness or your credit scores. Your credit report may show any names you have used in the past and any addresses where you have received mail, including P.O. boxes, work addresses or even a friend's or family member's house. It may also show previous phone numbers or previous employer information.

If you see personal information that is listed incorrectly or that you do not recognize, you can dispute that information online using Experian's Dispute Center.

Thanks for asking.

Jennifer White, Consumer Education Specialist

The purpose of this question submission tool is to provide general education on credit reporting. 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 may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.