topic How do I notify FICO about my NAME CHANGE??? in Understanding FICO® Scoring

How do I notify FICO about my NAME CHANGE???

Anonymous — Tue, 23 Dec 2008 02:09:17 GMT

I just recently changed my name (back to maiden name). I have worked so hard to obtain a great credit score. How can I be certain that Fair Isaac (myfico in particular) will pick up on my new name and my credit score will follow? I have asked my bank (who has my only Visa credit card) and they say they will report the change to all 3 credit bureaus, but I want to make absolutely certain that my credit score stays with me.

Thank you.

Re: How do I notify FICO about my NAME CHANGE???

cobaltnv — Tue, 23 Dec 2008 03:51:10 GMT

This is not uncommon. I doubt you will have any problems. If you pull your credit reports and your name is incorrect you can dispute and provide them with your correct name.

Cheers

Re: How do I notify FICO about my NAME CHANGE???

Anonymous — Tue, 23 Dec 2008 04:57:09 GMT

The name of the consumer plays no role in the score model whatsoever. Your score consist of payment history, amounts owed, length of credit history, new credit, and types of credit used. MyFico has nothing to do with your name, all they do is pull your reports from the CRA's and run it through their scoring formula. Just be sure that the 3 CRA's update with the name change. Nothing to worry about, hope that helps!

Message Edited by Chopbrocoli on 12-22-2008 10:57 PM

Re: How do I notify FICO about my NAME CHANGE???

haulingthescoreup — Tue, 23 Dec 2008 06:16:13 GMT

Here's a recent post dealing with the same question, and it was answered by the myFICO forums administrator:

Recently changed name - which do I use to order products?

Hope that helps!

Re: How do I notify FICO about my NAME CHANGE???

Anonymous — Wed, 24 Dec 2008 00:37:45 GMT

I recently (Oct 2008) changed my name back to my maiden name.

Anyway, once you change your name with your creditors (CCs, auto loan, mortgage loan, etc), your creditors will update your name with the three CBs. You do not need to notify the CBs, you notify your creditors.