How to Fix My Credit Report If It Is Showing a Former Married Name

Changing your name after a marriage or divorce can be a hassle. If you've recently examined your credit report and found that it is still under a previous name, correct the problem immediately. This error has nothing to do with the credit reporting agency; the agencies merely display the information they receive from creditors and service providers.

Instructions

1

Gather the documents needed and make copies. You'll need your divorce decree and valid photo identification (such as a driver's license or state ID) reflecting the name change. If you are remarried, you'll need your current marriage certificate.

2

Contact your creditors to update your accounts. Start with a phone call to see if you can complete the process by telephone. In most situations, you'll be required to send a request by mail or fax, along with the appropriate documents.

3

Contact your service providers and utility companies. While telephone and energy companies don't report monthly account information, they often report names and addresses. Make sure any accounts you have are under your current name; if they're not, provide the information to change it.

4

Wait 30 to 60 days for your credit report to update. Once the time has passed, run your credit report to verify the information is correct.

5

Contact each individual credit reporting agency, if the information is still not correct. Send a letter via certified or registered mail; explain your situation and furnish proof of your correct name.