topic Re: How to delete your name history? and even address... in General Credit Topics

How to delete your name history? and even address...

Anonymous — Fri, 25 Jun 2021 20:40:56 GMT

I am about to do a name change.., and I figured Transunion, Experian, Equifax and Innovis are all willing to delete/replace the old name history with the new one, they are also willing to delete the addresses I used in the past.

But when I called LexisNexis they said your old name is part of your old identity history and we won't delete that, do you think there is a way I can get rid of that or an excuse of some sort?

2nd Question) are most of the rental companies run LexisNexis as part of their background/credit check? how about employers, do they usually run LexisNexis for their background check?

I can put a freeze on LexisNexis, but I don't know how common it is for rental comapnies or employers background check to require the LexisNexis report, I have clean records and 810 score, I just don't want the rental office or employers to have access to my old name.

Thx

Re: How to delete your name history? and even address...

Remedios — Fri, 25 Jun 2021 20:22:31 GMT

Previous name stays, just like previous addresses and employers stay but aren't listed under "current"

Name change doesn't lead to clean credit report.

If they do remove the name for some strange reason, credit history with previous name is attached to a new name.

Even addresses aren't supposed to be removed unless they are erroneous ones (places you never lived).

Re: How to delete your name history? and even address...

Anonymous — Fri, 25 Jun 2021 20:40:17 GMT

no sir, your employers history, can only be seen/found, if you made a mistake by filling out credit apps or any other apps with your real employers name.

and previews names and addresses can be disputed and it will be granted, but not e.g. with LexisNexis, I haven't gone over Sage, ARS, CoreLogic and Tenant yet.

Re: How to delete your name history? and even address...

simplynoir — Fri, 25 Jun 2021 20:27:40 GMT

3rd party data like LexisNexis, SageStream, Innovis, ARS, CoreLogic, etc are used to correlate information and all that is available to verify information such as income, employment, and so on. If changing that with a simple name change was possible I imagine there would be more unscrupulous ways of taking advantage of that loophole

Re: How to delete your name history? and even address...

Remedios — Fri, 25 Jun 2021 21:00:09 GMT

@Anonymous wrote:
no sir, your employers history, can only be seen/found, if you made a mistake by filling out credit apps or any other apps with your real employers name.
and previews names and addresses can be disputed and it will be granted, but not e.g. with LexisNexis, I haven't gone over Sage, ARS, CoreLogic and Tenant yet.
I can put a freeze on LexisNexis, but I don't know how common it is for rental comapnies or employers background check to require the LexisNexis report, I have clean records and 810 score, I just don't want the rental office or employer to have access to my old name.

In it's raw form, credit report contains all addresses but only one as current.

It contains previously reported employers, again only one reported as current.

Name goes in "Names listed" which includes all names used, complete with misspellings and name changes.

The only way to disassociate name from date of birth, social security number, and address is to enter witness protection program.

Also, keep in mind for legal purposes and background checks, things work a little bit differently, so most likely they will gain access to your previous name if background check if performed even if on surface it appears that it was removed. CRA can, do and must retain information, it's just the visibility issue.

This is typically encountered during mortgage applications over certain amount and background checks.

Rental companies typically perform credit and background check.

Re: How to delete your name history? and even address...

Anonymous — Sat, 26 Jun 2021 02:02:02 GMT

Ok I have a different question..

what about the people who do not have a consent to run a trace on you...

there are websites like TruthFinder or Peoplewise(powered by LexisNexis), although I couldn't find the Peoplewise on google...

They are claiming they have access to the public records, removing yourself off these websites by sending email to them is not a remedy since there are other sources and the primary source itself that still accesible to the public.

Now I haven't updated any documents with my new name yet..

I don't want anyone who knew my name in the past simply go and access one of these websites and find out about my new identity based on my previews name...

what can I do about that?

Thanks

Re: How to delete your name history? and even address...

Remedios — Sat, 26 Jun 2021 03:36:48 GMT

Well, that's the pickle, you do not have a new identity, you have a new name.

As far as removing it, again, it's just a name change, it doesn't erase identity or anything that happened prior.

If person decides to change their last name after they get married, their previous life isn't erased. It's just a name change (public records), not some life VPN.

LN (and other data aggregators) routinely examine court records for data like this, not making the connection between the two is almost impossible.

They aren't doing anything illegal or shady. I'm sure future landlord wants/needs to know who is living on their property, how safe they appear to be, have they committed crimes etc.

Same goes for employers.

What you are looking for is an impossible scenario in this day and age.

Maybe just addressing what you don't want them to know would be a better course of action.

Re: How to delete your name history? and even address...

203bravo — Sat, 26 Jun 2021 04:43:36 GMT

@Anonymous wrote:
no sir, your employers history, can only be seen/found, if you made a mistake by filling out credit apps or any other apps with your real employers name.

So you are intentionally providing false information on credit applications in a deliberate attempt to conceal your true identity?

Re: How to delete your name history? and even address...

Anonymous — Sat, 26 Jun 2021 05:14:36 GMT

cool, got it!

Re: How to delete your name history? and even address...

Anonymous — Sat, 26 Jun 2021 17:48:53 GMT

@Remedios wrote:
Name goes in "Names listed" which includes all names used, complete with misspellings and name changes.
The only way to disassociate name from date of birth, social security number, and address is to enter witness protection program.

So you're saying there's a chance. lol

Re: How to delete your name history? and even address...

calyx — Sat, 26 Jun 2021 18:54:51 GMT

You are incorrect re: employer, @Anonymous . Your employer itself also may submit information to CRAs (like The Work Number, which is owned by Equifax). Even if you ~~fibbed~~ omitted your employer when applying for new accounts, it will likely get out through a number of sources.

And FYI: Your old name will never go away - it will stay attached to your credit reports from various agencies. You can *correct* your name when you can prove it's incorrect (and as someone who had to correct a name that got into my records through proven fraud, even then it was difficult, I can tell you that will not be easy), it will just be listed under past names/also known as. I had this issues getting married & divorced and changing names both times (nevermind how tangled your credit report gets when social security incorrectly reports data )

Re: How to delete your name history? and even address...

dragontears — Mon, 28 Jun 2021 00:29:58 GMT

@Anonymous wrote:
Ok I have a different question..
what about the people who do not have a consent to run a trace on you...
there are websites like TruthFinder or Peoplewise(powered by LexisNexis), although I couldn't find the Peoplewise on google...
They are claiming they have access to the public records, removing yourself off these websites by sending email to them is not a remedy since there are other sources and the primary source itself that still accesible to the public.

Now I haven't updated any documents with my new name yet..
I don't want anyone who knew my name in the past simply go and access one of these websites and find out about my new identity based on my previews name...
what can I do about that?
Thanks

@Anonymous

Just to clarify,

Do you want new people, like rental companies, to not be able to find out your old name?

Do you want people who have your old name not be able to find your new name?

These are 2 different issues, as others have said, the first is almost impossible to happen.

Re: How to delete your name history? and even address...

House2021 — Mon, 28 Jun 2021 06:34:13 GMT

I personally changed my name (a couple times actually but not to conceal my identity) anyways, interestingly enough if I type in my moms or siblings name it comes up on those sites as being associated with each other, whereas not one of them shows my old name or new name linked to any of them and it's been decades. so it does help somewhat. Removing addresses was one of the easiest things ever from credit reports.

Re: How to delete your name history? and even address...

Rottweilerlvr — Mon, 28 Jun 2021 23:18:02 GMT

@Remedios wrote:
Previous name stays, just like previous addresses and employers stay but aren't listed under "current"
Name change doesn't lead to clean credit report.
If they do remove the name for some strange reason, credit history with previous name is attached to a new name.
Even addresses aren't supposed to be removed unless they are erroneous ones (places you never lived).

I don't think that matters. I can't get equifax to remove a address and I've never lived in the town, much less that address. They say I have. How do I prove otherwise?

Re: How to delete your name history? and even address...

coldfusion — Tue, 29 Jun 2021 00:25:09 GMT

@Rottweilerlvr wrote:
nk that matters. I can't get equifax to remove a address and I've never lived in the town, much less that address. They say I have. How do I prove otherwise?

There's a decent chance in your case that 1 of these 2 things is going on:

a) an upstream furnisher (Lexis Nexis) has a bogus entry in your consumer report.

b) a creditor on your report is, or was, giving them an incorrect address associated with your account. IME this one can be a little tough to track down but isn't hard to rectify if you contact the creditor.

Re: How to delete your name history? and even address...

Anonymous — Mon, 05 Jul 2021 05:00:22 GMT

Do you want new people, like rental companies, to not be able to find out your old name?

I was, but it seems it's impossible, but I got a news, it seems a lot of at least reputed rental companies run the background check and credit check via a 3rd party company, and that 3rd party comapny(which I called and talk with one of them) doesn't reveal your older name or even full credit profile to the rental office ppl which you are about to see everyday for the next year, they just comeback to them with a yes or no answer, so that's cool enoguh.

and as far as the employer, at least big enterprises which I work for, I don't think your background check by that 3rd party comesback with all the small details, like your past names, maybe past employers or if you're clear(no record), I don't even think the addresses are included, I don't even think they pass that background check to your hierachry, they just comeback to the headquarter HR which they are not even part of your team, and HR will tell your team lead that this kid is clear as long as he is qualified you can send him the offer.

This doesn't mean the 3rd party doesn't see those, but I almost don't care.

Do you want people who have your old name not be able to find your new name?

Yes very

Re: How to delete your name history? and even address...

Anonymous — Mon, 05 Jul 2021 04:45:31 GMT

so removing addresses caused that...?

these reporting agencies are super super slow!!!