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Congratulations on your marriage! Now the fun begins.
No, we're not talking about long walks on the beach; we' re talking
about your new last name.
If you've chosen to take your husband's name, you'd
better start letting people know, and this includes those involved
in your financial life. Your credit report is a good place to start.
Why bother? Because you want to guarantee that all
your good credit information follows you into matrimony. That way,
you and your better half shouldn't have any problem getting your
first home loan!
The letter below shows just how easy it is to get
your new last name put on your credit report. Send a separate letter
to all three major credit reporting companies (their addresses are
listed in the letter).
Follow up to ensure that the changes were made. You
can order a copy of your report, either by phone or online, for
around $10 per company. The links in the letter below will take
you to each company's Web site where you can get more details on
obtaining your credit report.
Remember, in addition to changing your name on financial
accounts, you also need to let Uncle Sam know; your Social
Security card needs to reflect your new moniker. And, if things
don't work out and you decide to go it alone again -- with your
original last name -- you can tweak this letter to change your credit
report data once again.
Personalize the form letter below by entering your
specifics in the areas in red. You
can print out this Web page and make your changes by hand or copy
the body of the letter and paste it into a document where you can
make your changes on your PC.
If you prefer to see a .pdf version of the letter,
click
here.
Date
Equifax Credit Information Services Inc.
https://www.econsumer.equifax.com/consumer/forward.ehtml?forward=home
P.O. Box 740241
Atlanta, GA 30374
TransUnion LLC
http://www.transunion.com/Personal/OrderOtherMethods.jsp
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
Experian
http://www.experian.com/consumer/index.html
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013
Re: Request to change name on credit report
Dear Sir or Madam:
My credit information with your company current is
currently held under my maiden name: Full
pre-marriage name. However, I have recently married and now
am legally known as: Full married name.
This letter is my formal request that you change your
records to reflect my new legal name. In addition to my new name,
your data should indicate my new address. Below I have listed, along
with my Social Security number, my prior name and previous address
and my new name and address to which my records should be changed:
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Pre-marriage information
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Married information
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Full maiden name
Social Security number
Old mailing address
City, State and ZIP Code
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New married name
Social Security number
New mailing address
City, State and ZIP Code
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If you have any questions about these changes, you
can contact me by mail at my new address or by telephone at work
phone number during business hours.
I also am enclosing a copy of my marriage license.
This will verify my name change and ensure accurate spelling on
my updated credit report.
Thank you for your prompt attention to my request.
Your Signature
Your Typed Name
Your Address
City, State and ZIP Code
Enclosure: Marriage license (copy)
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