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Albaangel26
Posts: 3
Registered: ‎01-08-2013
0

Married name-credit question.....

Hi All, I am very very new here!

 

I have a question thats boggling my mind.

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.

 

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.

 

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.

 

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 "new" credit file accidently?

 

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....

 

Thanks for reading

 

 


edited to add:
 
 
 

Oh , and one other question to add to my post,

 

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!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Married name-credit question.....

Hard to tell, could have not caught up to you yet, could become a split file.


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llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Married name-credit question.....

If there was only one SSN used then it's the same file. Maybe the baddies, if any, aren't impacting as bad and/or deleted already. Cell phones are fairly easy to obtain and some CCs tend to be easy to get even with bad credit. Definitely pull your reports though.

Frequent Contributor
NewbieReed
Posts: 440
Registered: ‎12-05-2012
0

Re: Married name-credit question.....

I rceently changed my last name -- went through a transition process with it too -- since my maiden name became my second middle name (very confusing to creditors lol).

 

My file was not split though nor did "the system" think that I was someone new. Your baddies have probably just aged and have started hurting your score less or something. . . Pull your CR and see if you have multiple names in the "name" section, it's always funny to see my 12 aliases on my credit profile.

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