#it is wild having an 800 spread between credit scores lol | Explore Tumblr Posts and Blogs

so-i-did-this-thing · 9 months

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So, I have a big advice post to write, but until I have the spoons, I want to warn everyone now who has legally changed their first name:

Your credit score may be fucked up and you need to:

check *now* that all your financial institutions (credit cards, loans, etc) have your current legal name and update where necessary

check that all 3 credit bureaus, on their respective sites, not via a feed like Credit Karma (so, Trans Union, Equifax, Experian) are collecting that info correctly and generating the right score - you might need to monitor them for a few months if you made any changes in #1

I am about to apply for a mortgage and learned that as of 2 weeks ago:

Experian suddenly thinks I am 2 different people - Legal Name and Dead Name (none of whom have a score)

Equifax has reported my active 25 year old mortgage as closed and deleted one of my older credit cards, hurting my score by 30+ points

Credit scores influence everything from big home/car loans to insurance rates to job and housing applications.

And for whatever reason, the 3 bureaus that have the power to destroy your life are shockingly fragile when it comes to legally changing one's first name.

So, yeah. Once I get this mess cleaned up for myself, I have a big guide in the works if you find yourself in the same predicament. But with the mass trans migration out of oppressive states, odds are there are a lot of newly renamed people who are about to have a nasty shock when applying for new housing.

Take care, folks.

#trans stuff #transgender #credit score #united states #it is wild having an 800 spread between credit scores lol #a human being could identify there is a problem but so much life impacting shit is automated by stupid and biased algorithms

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