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should my wife apply for credit using maiden or married name?
deejbk01
Posts: 78 Forumite
We got married 2 months ago and my wife is still updating her name for driving licence, banks, passport, utilities etc. She is just about there, but some are still coming through.
She recently applied for a TSP Classic account but her application was rejected. I believe this may be because she applied in her married name, and the application would have been subject a credit check.
I signed her up for Experian, again using her married name, but we got an error when attempting to verify her identity as it said it was unable to verify.
Now, we are planning to take out a 25k loan later this week. Should she put her maiden name down on the loan application?
She recently applied for a TSP Classic account but her application was rejected. I believe this may be because she applied in her married name, and the application would have been subject a credit check.
I signed her up for Experian, again using her married name, but we got an error when attempting to verify her identity as it said it was unable to verify.
Now, we are planning to take out a 25k loan later this week. Should she put her maiden name down on the loan application?
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Now, we are planning to take out a 25k loan later this week. Should she put her maiden name down on the loan application?
From a simple bank account, to a 25k loan in the same week, wow.
I have a feeling you should just wait until the system updates itself.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Failed application for a current account and a new 25k loan application.
Is this loan the deposit for your Mortgage you wanted?Censorship Reigns Supreme in Troll City...0 -
Does she even earn enough to service the 25k loan ?0
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just tell her existing lenders to update and it will filter through, surprised at the bank account though as it asks have you been known by another nameDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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yes, there was an offer on the TSB account where you get £130 cashback! But sadly no cashback for her.From a simple bank account, to a 25k loan in the same week, wow.
You're kidding me right??Is this loan the deposit for your Mortgage you wanted?
Yes, we can definitely afford it over a 5 year termDoes she even earn enough to service the 25k loan0 -
You're kidding me right??
OK if it isn't for the mortgage what's it for? Taking out such a large loan shortly before applying for a mortgage would not be seen favourably by the lender.2.88 kWp System, SE Facing, 30 Degree Pitch, 12 x 240W Conergy Panels, Samil Solar River Inverter, Havant, Hampshire. Installed July 2012, acquired by me on purchase of house in August 20170 -
Home improvements. We already have a mortgage, but haven't yet accumulated enough equity (85%) to borrow against it0
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