Hi, I'm just after some assistance regarding my credit report.
TL;DR: I need help with changing my name on my credit report. The name on my credit report is the same name as the one I used when I first signed up for a credit card many years ago, but now my legal name has changed. I've been told that only the credit providers can fix this issue, but I don't see how that's possible.
Recently, I requested a free copy of my credit report from Equifax and noticed that my given name that is recorded on the report is not my current legal name, but a name that I used over 15 years ago when I first got my Driver Licence and my first ever credit card. Long story short, after using the old name for a couple of years, I decided to legally change my name, due to my passport not having the same name as my other ID's. Since doing the name change over 15 years ago, any subsequent credit enquiries or applications have been done using my new (current) legal given name. My family name has always remained the same.
I would have applied for no less than 10 credit cards in the last 15 years, and every time I applied for it online, I provided ID that shows my current legal name, which is why I'm a bit confused as to why there's no record of my current legal name on my credit report.
I called Equifax to see if there's a way to change the old name to my current legal name, but was told that that isn't possible, and the only way to change the name is to request my credit providers to perform a credit check using my current legal name. I mentioned to the agent that there is a corrections portal on Equifax, and if it's possible to make the change through this method, but I was told that this wasn't an option for my particular issue.
My question is, how can I actually request this to my credit providers, when everything is done online these days? For example, if I were to sign up for a new credit card online, how am I supposed to do this? It seems as though that due to certain personal details matching up, such as my family name and date of birth, the credit providers are just performing a credit check using my old details.
Any suggestions would be appreciated. Thanks.
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