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So it seems that my legal name change started new profiles with Experian and Transunion

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GalaxyStars
Regular Contributor

So it seems that my legal name change started new profiles with Experian and Transunion

Hello everyone, new here, so I have been working on rebuilding my credit for about 1 year so far.
I had always hated my legal name since I was young.
I did a legal name change some time ago and it seems that the only credit bureau that consolidated my old name with new is Equifax.

Anything I need to worry about here? Basically my new reports show nothing of any of my past mistakes, just great payment history.

Example Equifax score is 601 and Transunion and Experian is 750!!!!!!!!!!!
Crazy huh?

I also understand that name changes normally don't conflict with credit history, but in this case it seemed to work in my favor.
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1 REPLY 1
vertekal
Regular Contributor

Re: So it seems that my legal name change started new profiles with Experian and Transunion

from http://www.experian.com/blogs/ask-experian/2014/11/23/name-change-should-not-cause-loss-of-your-cred...

 

"If you have changed your entire name, however, it is possible that there was not enough information provided during the application process to link your previous credit history to your new name.

Credit reporting systems don’t match information solely to the Social Security number. They also rely on other identifiers when determining which credit items belong on which credit report. That is why it is always important to use full and complete identification when requesting a report – your full name, date of birth, and current and previous mailing addresses in addition to your Social Security number."

FICO 8:
EQ: 1/2018: 494 | 4/2021: 652 (+158)
TU: 1/2018: 536 | 4/2021: 657 (+121)
EX: 1/2018: 499 | 4/2021: 641 (+142)

Mortgage Scores:
EQ: 9/2020: 560 | 4/2021: 648 (+88)
TU: 9/2020: 564 | 4/2021: 649 (+85)
EX: 9/2020: 576 | 4/2021: 672 (+96)

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