You may change your name at any time. You do not need to worry about the outstanding debt. You will still owe the debt no matter what name you go by.
Unfortunately for anyone who's hoping for a do-over, changing your name doesn't reset a poor credit score or wipe out your existing credit report to let you start anew. ... Payment history: Making on-time payments accounts for 35% of your FICO® Score☉ , the credit score most commonly used by lenders.
Changing your name does not mean that you can ignore debts taken out in your previous name – they are still “yours” no matter what you call yourself. ... With so much detailed data, it is becoming easier to “find” people, even if they have changed their name.
In general, if you have formally changed your name -- that is, you have gone through a formal court proceeding to change your name and it has been changed on your birth certificate, passport, and other official documents identifying you -- it would be difficult indeed for someone to find out your former name.
Changing my name won't affect my credit reports and credit history. ... After the Social Security Administration and creditors are notified of your name change, the new information will be reported to the three major credit bureaus (Equifax, Experian and TransUnion), so it's not necessary to contact them.
You probably expect to need to update your Social Security information and your credit cards, but there are plenty of other people who need to know about your new name as well. "A name change can have an impact on your taxes. All the names on your tax return must match Social Security Administration records.
Most women seek a name change after marriage to adopt their husband's family names. And there are those who want to change their names to abide by the dictates of a new religion or simply to reflect a change in their lifestyle. Whatever your reason, you can have your name changed legally.
The quick answer is that no, you can't completely erase your identity in this day and age -- unless the government does it for you. Legally changing your name isn't too difficult. ... But even if you do change your name and SSN, the system will still have records that link the "new" you to the "old" you.
Yes. It's a Special Confidential Program
There are provisions within the California Name Change laws for you and/or your children to be able to Change Names in complete confidence (see California Civil Code §1277 (b) (c) and §1278(b).
Ask for a raise at work or move to a higher-paying job, if you can. Get a side-hustle. Start to sell valuable things, like furniture or expensive jewelry, to cover the outstanding debt. Ask for assistance: Contact your lenders and creditors and ask about lowering your monthly payment, interest rate or both.
The easiest way to make debt collectors go away is to just pay off your debt in full, but what if you can't afford it? If you could, you'd have paid off your creditor in the first place. Ignoring the problem won't make it go away, but you don't have to put up with the bullying and intimidation.
To get into your bank account, the creditor must get a court order. Specifically, this means that the creditor must sue you (take you to court) and win. Only after the judge enters a judgment against you (meaning the creditor won the lawsuit against you) can the creditor have access to your bank account.
If you need to correct your name on your credit reports, you must file a dispute with each credit bureau that lists the name incorrectly. The process differs somewhat for each of the national credit bureaus. The Experian Dispute Center webpage explains procedures for submitting disputes online, by phone or by mail.
You typically must refinance your loan if you have a change of names on the mortgage. ... The lender will require you to fill out a form removing their name from the mortgage and provide a certified copy of the death certificate.
After the Name Change
Once a court has ruled in favor of your name change, there will be a record of the court order approving your name change. ... When you change your name on your social security card, passport, driver's license, and other important places, you'll need this court order.
2022 California Rules of Court. Records in a name change proceeding may not be filed under seal without a court order. ... A request by any other petitioner to file records under seal must be made under rules 2.550-2.573.
Each state's name change requirements vary, but most require you to file a formal petition (written request) with the local court. Your request must be complete with your current and proposed new name and include a statement that you're not seeking a name change for any illegal purpose.
If you legally change your name because of marriage, divorce, court order or any other reason, you must tell Social Security so you can get a corrected card. ... See Defining the legal Name for an SSN. To get a corrected Social Security card, you will need to: Show the required documents.
Most states allow one or both spouses to change their last names without a separate name change petition after getting married. You could choose to take your spouse's last name, hyphenate your last names, or in some states, choose a new last name unrelated to either your name or your spouse's name.
It's easy to change your name in social settings, all you have to do is introduce yourself with your desired name. It's changing all your documents that is the hard part which includes your identification card, social security card, birth certificate and credit cards.
Originally Answered: Have you legally changed your complete name more than once? Yes. Four times.