Do different surnames matter?

Emmzy01

Quick question, does having accounts in different names, (married and maiden) affect your credit score/ worthiness? It's such a pain to change everything but if makes a difference I will.

usefulmale

Emmzy01 wrote: »

Quick question, does having accounts in different names, (married and maiden) affect your credit score/ worthiness? It's such a pain to change everything but if makes a difference I will.

Please don't let your life revolve around a pointless "credit score".

Hazzinho

If you change accounts to another name it links them, if you don't and apply in just your new name the rest of your credit won't appear so it would impact the lending decision.

chanz4

it will always create a link when you apply for new, as it asks for previous names this will then create an alias

Hazzinho

chanz4 wrote: »

it will always create a link when you apply for new, as it asks for previous names this will then create an alias

As I just mentioned if they don't specify past names it would impact the lending decision, links are only created by changing account details be it addresses or names.

notanewuser

I didn't change my name when I married, but I don't understand why - if you've decided to change your name - you wouldn't change IT everywhere (professional reasons exempted).

SuperHan

notanewuser wrote: »

I didn't change my name when I married, but I don't understand why - if you've decided to change your name - you wouldn't change IT everywhere (professional reasons exempted).

Because it's a bit of a faff when you have 7+ current accounts plus credit cards, already ongoing finance agreements... Also, if you ever get a cheque in your maiden name, it's more difficult to cash where all your accounts are in your new name.

I'm getting married next year, I'll change my name, and change all of my main accounts that I regularly use, but I will leave some in my maiden name too, to save days of traipsing into a number of banks with a wedding certificate to change my name.

notanewuser

I thought my having 4 current accounts was excessive, but 7+?!!!

I get cheques written in my "married" name fairly often (elderly relatives that don't "get" that I don't ever use it) but just ask them to change it. Hasn't been an issue for over 10 years.

colsten

notanewuser wrote: »

I thought my having 4 current accounts was excessive, but 7+?!!!

Excessive? Who defines the acceptable number?

I have over 20 at present (all in the same name), and for very good reason. It doesn't affect my creditworthiness in a negative way.

OP, you might find this article helpful: http://www.experian.com/credit-advice/topic-credit-and-marriage.html