Why am I having so many problems with My married name?

Question

I have had trouble with my name change due to marriage. That none of my other female friends nor family members have experienced these problems. I have been married for 2 years and I changed my information about 2 weeks after the wedding.

I changed my name on my social security card, state driver's license, voter registration, car title and registration, utilities, financial institutions such as banks, credit cards and creditors, etc. When I filled my joint tax return I had to file two. I got married in June 2010 I was told to file one in my new legal name and one with my maiden name along with a change of address form required by the state and government. To make sure no delays in receiving our tax return.

I had contact the 3 major credit bureaus who told me I didn't need to send them any proof of the change of name or current address that my current creditors would give them that information. I've been checking my credit reports more regularly to make sure my information was update and it was not.

None of them had my new name or aka / alias or current address on file 8 months later into the marriage.

Joint accounts I have with my husband such as a credit card and a mortgage didn't have our accounts listed as jointly. I wasn't getting credit for our mortgage and the joint credit card said it was an individual account under my maiden name only and previous address before I got married. None of which I used when I applied for credit so I didn't supply the creditor my maiden name and gave them my current address and name.

So I contacted my creditors and credit bureaus to have them correct their data. I made sure to receive copies of the changes. The credit bureaus has had my new name and addresses for at least a year.

Because my husband and I sold our condo and bought a affordable home. This new address has been reported to all 4 credit bureaus. Solicitation comes to my current address only in my maiden name but I have only lived here for 3 months. Doubt very much it's just info from an old mailing list.

I wasn't getting credit for joint accounts with my husband at all. So it's not just about the name. I had problems using my ss number at times for a whole year. I had to carry my marriage license and old driver's license DMV legally allowed me to carry cus I dropped off my maiden name completely.

I could not use my ss number without using my maiden name then switching card to married, or applying for application in person. Showing proof of current self and sometimes proving my previous name.

Only one of the credit bureaus have a 10 year old closed account on file under my maiden name. I had open when first building credit. All of my current open credit is under my Married legal name whether I just opened or old ones I had them update my card and information on file.

I haven't as often had problems using my married name with my social security number as much anymore except my free annual credit report. I have to use my maiden name only. I ones again opt out of pre-screen offers. Up until this year all data places had only my maiden name on file and that I wasn't married to my spouse. He was married to someone else. Half had him living with me and other half with another woman at her residence and phone number.

Will my credit always be under my maiden and current name always an alias or aka? Is all this normal ? solicitations only in my maiden name? Normal even with public phone listed to never be linked or living with current spouse.

My husband had to have addresses he never lived at belonging to his ex off two of his credit reports? Is that what is also causing the problems. I had to call the state to update my maiden name to my new name on their file so when they send refunds it will be only in my current name. For some reason they keep switching it back to my maiden name. So some times personal property tax bills and refund checks would come in my maiden and other times in my married name.

I have asked these questions to the credit bureaus and state and government but no answer. The credit bureaus did say they have my current address and new legal married name on file. However it's not their fault that I have to only use my maiden name to check my credit it's supposedly the annual credit official site security. I've had gotten no response from the annual credit report place.

So even though my credit is good and the same even though my ss is the same number I was having problems. I back traced all my steps including marriage license and doesn't seem to be any trouble on that end.

Is it common to have offers only sent under my maiden or previous name? To have this kind of trouble after 2 years of marriage and almost that long of a time with a legal name change. This is my first marriage and first name change.

Answer 1

I've been married 14 years, I still get mail from time to time addressed to my maiden name.



The rest though sounds like there was an error. The credit and bank and so forth should all be up to date.

Answer 2

Not sure why you are having so many problems. The only thing I question is filing two tax returns. I'm no tax expert but I don't think that was correct. To the IRS you are identified by your SS#. As long as you changed your name with social security so that the new name matches the SS# I don't see the need to file two returns.



I've been married for 2 1/2 years and haven't had any problems. I just sold a house and refinanced another and they were both under my maiden name while my IDs have my married name. They even sent the escrow check in my maiden name and I deposited it with no problem at the bank. My credit report shows my maiden name as an aka and I haven't changed the name with my AMEX or VISA and I use them without a problem. You shouldn't have to call the credit bureaus. Once your creditors have it, it is automatic.

Answer 3

You can have a credit card with your name on it with a joint account. We do, and have both names on the checks. And that goes for car titles, etc. You're just a number to Social Security. They don't care what you call yourself. About the only time it's anything at all is when someone calls for Mr. or Mrs. , but that helps you know they're no one you want to talk to.

Answer 4

is there any chance of identity theft of your ss# that you know of might want to check that out and keep an eye on your bank account just a thought good luck

Answer 5

Are you sure you filled out the forms properly??