Credit score married name

chriscanavan

I got married 11 months ago and have applied for a credit card in my married name. Im concerned that I won't have any credit history in my married name as I haven't officially changed it on cards/loan/ mortgage, have just changed it with my bank, and I won't get accepted. I had a very good credit in my maiden name. Should I have applied in my maiden name or does it not matter??

thriftymomma

It would be best to have all of your affairs under the same name or it might look like you are trying to use aliases.

jonesMUFCforever

Do not most applications asked for any previous name/surname used?

catieeb06

I thought most application forms would ask for any names you may have been known as in the last 2-3 years (not totally sure)

That way they can make the link.

I could be wrong but i'm sure someone more knowledgeable will come along.

Debt_Free_Dreamer

They ask for previous names when you apply.

On your credit file you can see all the variations of your name you have ever used.

Moggles_2

Are you on the electoral roll at your current address and have you registered your married name?

When completing cc applications, I would make sure your name and current address matches your details as they appear on the electoral register. Pay particular attention to the way first name(s) as well as surname are recorded. (Also, a line of your address may be inserted/omitted or the order reversed, where new build, a house name or a block of apartments is involved or where a a landlord has converted a house to flats. You'd be surprised how often this happens. Very often it comes down to a difference of opinion as to how an address should be formatted rather than an actual mistake.)

Getting the above right obviates the need to produce ID every time you apply for credit/savings accounts. More importantly, some lenders routinely reject applicants whose ID cannot be verified electronically via the CRAs, which in turn collate data from public records. Suddenly adopting a different surname could certainly kibosh an application so, when it comes to your financial affairs, be consistent from here on