If you change your name when you get married (or any other time), be prepared for the extra paperwork. And as banks, lenders, and other institutions implement the name change, you might run into the occasional hiccup.
For example, one Credit.com reader discovered a hard pull on a credit report. The reader asked:
I recently got married and had my name changed. My landlord noticed on my proof of insurance that my name has changed. When they updated my name on their file, it automatically pulled a hard inquiry on my credit without my consent. Is it legal to pull a hard inquiry for updating [your] last name?
As the site explains: no, it’s not legal for institutions to pull a hard inquiry without your permission. You grant permission when you apply for a line of credit, for example. Soft inquiries don’t affect your credit, but hard inquiries do. In this case, the reader might have mistaken the soft pull for a hard one or the data provider may have actually made a mistake.
In either case, when you change your name, it’s worth checking your credit report for these mistakes. If you see a pull, ensure it’s just a soft one—they should be in an entirely different section, marked as such. If you’re certain it’s a hard pull, here’s a sample letter from the FTC you can use to dispute the error. For more detail on how to do this, head to Credit.com’s full post at the link below.
Photo by madebyWstudio
Someone Pulled My Credit Without My Approval. Can I Dispute It? | Credit.com