http://ficoforums.myfico.com/t5/General-Credit-Topics/Got-Married-credit-question/m-p/1796536#M169343 <p>Hi All, I am very very new here!</p><p> </p><p>I have a question thats boggling my mind.</p><p> </p><p>I Got married 2 years ago, and have kept my original last name instead of changing it over right away. My credit , has been very poor because of some stupid decisions in my youth. I have no idea what my credit score is but I haven't paid any debtors back so I can only imagine its terrible.</p><p> </p><p>I recently went and started to get things changed into my married name. I broke my old cell phone and I applied for a new one and offered my new married name , I got approved( to my shock), with a 300 cap limit on the cell phone account.</p><p> </p><p>About 4 months later I thought to myself, I need to get a secured credit card of some sort to try to repair some of this damage, so I applied for a CC, and got approved with a very small limit( 300 dollars), unsecured-- which completely shocked me again.</p><p> </p><p>Is there a loop hole in the system? I feel like i slipped through the cracks on  getting a cell phone and a credit card. On my SSN I changed my last name, but, when i go to apply for phone/credit they didn't ask me to provide that specific information. Maybe I got set up as a &quot;new&quot; credit file accidently?</p><p> </p><p>Any help would be greatly appreciated. I would love to believe my credit is starting to repair it'self but I don't want to get my hopes up just yet....</p><p> </p><p>Thanks for reading</p><p> </p><p> </p> Tue, 08 Jan 2013 19:07:34 GMT Albaangel26 2013-01-08T19:07:34Z http://ficoforums.myfico.com/t5/General-Credit-Topics/Got-Married-credit-question/m-p/1796536#M169343 <p>Hi All, I am very very new here!</p><p> </p><p>I have a question thats boggling my mind.</p><p> </p><p>I Got married 2 years ago, and have kept my original last name instead of changing it over right away. My credit , has been very poor because of some stupid decisions in my youth. I have no idea what my credit score is but I haven't paid any debtors back so I can only imagine its terrible.</p><p> </p><p>I recently went and started to get things changed into my married name. I broke my old cell phone and I applied for a new one and offered my new married name , I got approved( to my shock), with a 300 cap limit on the cell phone account.</p><p> </p><p>About 4 months later I thought to myself, I need to get a secured credit card of some sort to try to repair some of this damage, so I applied for a CC, and got approved with a very small limit( 300 dollars), unsecured-- which completely shocked me again.</p><p> </p><p>Is there a loop hole in the system? I feel like i slipped through the cracks on  getting a cell phone and a credit card. On my SSN I changed my last name, but, when i go to apply for phone/credit they didn't ask me to provide that specific information. Maybe I got set up as a &quot;new&quot; credit file accidently?</p><p> </p><p>Any help would be greatly appreciated. I would love to believe my credit is starting to repair it'self but I don't want to get my hopes up just yet....</p><p> </p><p>Thanks for reading</p><p> </p><p> </p> Tue, 08 Jan 2013 19:07:34 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/Got-Married-credit-question/m-p/1796536#M169343 Albaangel26 2013-01-08T19:07:34Z http://ficoforums.myfico.com/t5/General-Credit-Topics/Got-Married-credit-question/m-p/1796600#M169344 <p>Oh , and one other question to add to my post,</p><p> </p><p>if I did slip through the cracks, i assume they would eventually merge the new account with my original credit file.... so would my new found cred(phone/unsecured card) help me boost those scores? Thanks!</p> Tue, 08 Jan 2013 19:30:04 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/Got-Married-credit-question/m-p/1796600#M169344 Albaangel26 2013-01-08T19:30:04Z http://ficoforums.myfico.com/t5/General-Credit-Topics/Got-Married-credit-question/m-p/1796708#M169345 <p>Locked thread to direct others here:</p><p> </p><p><a href="http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Married-name-credit-question/m-p/1796684" target="_blank">http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Married-name-credit-question/m-p/1796684</a></p><p> </p> Tue, 08 Jan 2013 19:50:39 GMT http://ficoforums.myfico.com/t5/General-Credit-Topics/Got-Married-credit-question/m-p/1796708#M169345 llecs 2013-01-08T19:50:39Z