Change of name

Nikkimikki

Hi, I have recently changed my name and my bank/lender/electoral register has been updated.  My question is (and it may be a silly question!) suppose if a credit check or identity check was done under my old name, would the check fail?

D3xt3r5L4b

You should be applying for credit in your legal name.
Regardless of it failing or not. 

pramsay13

Your names will be linked on your credit score, so it wouldn't necessarily fail for being an old name, but might if there are credit issues.
Depending on what you are applying for it might be fraudulent to apply using an old name. 

MalMonroe

Nikkimikki said:

Hi, I have recently changed my name and my bank/lender/electoral register has been updated.  My question is (and it may be a silly question!) suppose if a credit check or identity check was done under my old name, would the check fail?

No, because your new name will be legally linked with your old one. Won't it? 

And it's illegal to change your name for purposes of fraud or deception - but you knew that, didn't you?

Shakin_Steve

There's an aliases section on Experian, it would show up there I would think. My wife's maiden name is on there about ten times, along with the company that provided the information.

cymruchris

Your previous history doesn't disappear - it will link with your ongoing history under your new name. If you were to apply for credit - it should now be in your new name. You can check the CRA reports regularly until your new name has appeared on some accounts - and once evidence of your new name begins to populate your files, applying for things should then be easier. Have you updated the electoral roll with your new name? Why would you want to apply for credit in your old name?

Nikkimikki

cymruchris said:

Your previous history doesn't disappear - it will link with your ongoing history under your new name. If you were to apply for credit - it should now be in your new name. You can check the CRA reports regularly until your new name has appeared on some accounts - and once evidence of your new name begins to populate your files, applying for things should then be easier. Have you updated the electoral roll with your new name? Why would you want to apply for credit in your old name?

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

Carrot007

Nikkimikki said:

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

In what way do you suspect it is frauf for a company to do a recheck you agreed to on your old details when you have not updated them? (which is what I believe is occuring).

I would say don't waste action fraud's time. But they do nothing useful so....

Nikkimikki

Carrot007 said:

Nikkimikki said:

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

In what way do you suspect it is frauf for a company to do a recheck you agreed to on your old details when you have not updated them? (which is what I believe is occuring).

I would say don't waste action fraud's time. But they do nothing useful so....

If you read my post I stated it was a check that was unrecognised and therefore I did not consent to

Carrot007

Nikkimikki said:

Carrot007 said:

In what way do you suspect it is frauf for a company to do a recheck you agreed to on your old details when you have not updated them? (which is what I believe is occuring).

I would say don't waste action fraud's time. But they do nothing useful so....

If you read my post I stated it was a check that was unrecognised and therefore I did not consent to

Sorry if I missread. However just because you don't recognise it does not mean it is not legitimate or consented to.

We all sign up to stuff without realising it and often names on the report may not exactly resemble things we realise. (you could say what is says in case anyone has a clue?).

It could well be as you say. But it is very unlikely. Unless someone you know is trying to get stuff in your name I guess.

cymruchris

Nikkimikki said:

Carrot007 said:

Nikkimikki said:

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

In what way do you suspect it is frauf for a company to do a recheck you agreed to on your old details when you have not updated them? (which is what I believe is occuring).

I would say don't waste action fraud's time. But they do nothing useful so....

If you read my post I stated it was a check that was unrecognised and therefore I did not consent to

It can happen that when you use comparison sites for insurance or credit card eligibility etc. that you give them permission to continue checking your files via soft checks whenever they want (it's all hidden in the small print). I've used things like the 'totallymoney' eligibility checker, and other such sites in the past - and then for a long time after I was soft searched often by the 118118 money card people. I have never had a card from them and never will - but they keep on soft checking my file. It's only hard searches you should be worried about. Have you used comparison sites in the past?