Credit score maiden name issues

Hello,

My wife and I are hoping to get a mortgage with Nationwide. I believe that they use Experian and so we checked her file. We discovered that she was recorded as being registered on the electoral roll at our old address, dates:05/2009 to 10/2012 (we moved in April 2012 and are on the electoral roll for our current address). She is also known on Experian by her maiden name.

1.What name will Nationwide search for?

2.Will the fact that she is down as being registered at our old address for the electoral roll be a problem?

Any advice would be much appreciated.

Many thanks,

Rob

Comments

  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    05/2009 to 10/2012 means she was registered between May 09 and Oct 12, but no any longer. Your name can only usually be removed from the electoral roll during the annual canvass process which takes please one a year in the autumn, hence the Oct 12 closeure date. As long as the dates roughly coincide with when she lived at the address and, importantly, she is now registered at the new address, you shouldn't have any problems in that respect.

    James Jones
    Official Company Representative
    I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
  • From my experience, her names will soon be linked on the credit files without difficulty- I reverted to my maiden name after my first marriage, then married again and went to a third surname - all three show on my credit files, as different accounts/contracts were taken out in different names.

    She'll be asked if she's been known by any other names, as well as any other addresses from the last few years.
    Mortgage Free thanks to ill-health retirement
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.2K Banking & Borrowing
  • 252.8K Reduce Debt & Boost Income
  • 453.2K Spending & Discounts
  • 243.2K Work, Benefits & Business
  • 597.6K Mortgages, Homes & Bills
  • 176.5K Life & Family
  • 256.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.