Aliases on credit reports

empty_wallet_2

As you will see from previous posts I have just done my credit file checks, my wife has also done them but we have found an anomaly with hers, mine are as already discussed.


Now she went BR a couple of months after me in April 2008 and we got married 2 years later, so we expected to still see most of her creditors on her report but ready to drop off in the next month or two but her Experian report gave her 999/999 and Callcredit 4/5, then on looking through the reports it doesn't show any of her defaulted accounts in her maiden name, they only showed her married name so all good clean reports, however we are in a quandary as to what to do, on the application forms none asked for maiden names so we haven't done anything wrong but after contacting Experian about it we can get her maiden name linked to her married name as an alias but

A, we can't understand why its not already linked as she updated all her current bank accounts, utilities, passport, voters forms, driving license etc etc when we got married, so you would expect the credit reference agencies to automatically link the two surnames, obviously we didn't update anything with the old defaulted companies as there was no requirement.


B, in my reports it shows both her surnames in my financial linked area


So our quandary is do we apply to the reference agencies to link the two names and risk messing up her currently good credit status due to defaulted creditors not applying the correct default dates such as with Lloyds like I have had and cahoot as they were still sending out statements to her 2 years after her BR date and no amount of sending copies of her BR certificate would stop them, we only stopped receiving them as we moved house, or do we just keep quiet?? my only thought is if we apply for a mortgage this year do they ask for all known names such as maiden names, which could possibly open up a can of worms that we would then have to look at sorting if there are cockups under her maiden name on the defaulted accounts, I can't remember what they require as its 12 years since I last did a mortgage application.


We tried to do a credit report using her maiden name but couldn't get it as she had no form of payment in her old name to valid who she was, so we are at a brick wall at the moment.