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Old Debt - Maiden Name

Member

Re: Old Debt - Maiden Name

As for your maiden name issue, I am experiencing the same thing...  Some very old debt in the wrong name. 

 

I called the 3 bureaus, and was told they won't change the name on my CR until I changed it with the original creditor.   Just a heads up.

 

How does someone obtain their entire credit file?

Starting scores: Experian 650; Equifax 639; Trans U 640 (Jan 2013)
Message 11 of 13
Senior Contributor

Re: Old Debt - Maiden Name

I would have to agree with Guiness as the debt does fall off your CR it goes into our file at the CRA's. If you are getting a Mortgage for $150,000.00 or more there is a good chance the underwriter could request your whole credit file. The process of getting home loan now a days has become very long and difficult. I reside in IL as well. I had a consumer attorney handle my Credit Reports from all 3 CRA's.

Message 12 of 13
Highlighted
Moderator Emeritus

Re: Old Debt - Maiden Name

It is possible that they can pull your full credit file as said before.  I totally agree with that, however, this is not the norm.  It doesn't happen on a regular basis.  The asking of the question if you have any outstanding debt does come into play.  You want to answer truthfully, so I always suggest paying/settling these old debts. Even if it's 10% or so, you could honestly then say you don't have any unpaid debt.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 13 of 13