Learn how to Report a Identify Change to the Credit score Bureau

A transgender woman in a red shirt sits at her desk and her laptop is open next to a cup of coffee.

This is find out how to report your gender-affirming authorized identify change to the credit score bureaus.

Hinterhaus Productions / Getty Photographs

  • Transgender and non-binary folks can now report their authorized identify change to the credit score bureaus.
  • To alter your identify, you’ll need copies of your authorized identify change decree.
  • If you have not gotten a brand new driver’s license, Social Safety card, and up to date utility invoice, you will wish to achieve this first.

Congratulations in your gender-affirming authorized identify change!

There’s nonetheless extra work to do after you get your identify change decree signed by a decide in your native courtroom, after complicated authorized paperwork and paying courtroom charges. One of many many steps in your authorized transition is to report your authorized identify change to all three credit score bureaus — Experian, Equifax, and TransUnion — to replace your credit score report.

Earlier than updating your credit score report, it is strongly recommended that you just first replace your identify in your driver’s license, Social Safety card and utility payments as a result of the credit score bureaus will ask for copies of these paperwork to confirm your identify change request. Is.

It feels like a tedious course of, however it’s price it ultimately. “By updating their names with the three main credit score bureaus, trans and non-binary foxes will have the ability to forestall any potential disruption to their credit score historical past, which is particularly necessary when making use of for future mortgage or auto loans, Says Ryan Klippel, Head of Social Affect at Optas Capital and LGBTQ+ CFP® Skilled.

This is a step-by-step information to updating your credit score report together with your authorized identify.

maintain your paperwork prepared

The method is barely totally different for every of the three credit score bureaus, however all of them require copies of your new ID and your authorized identify change decree.

The Equifax and Experian procedures are comparatively easy, however altering your identify with TransUnion requires extra effort and time.


In accordance with the Equifax web site, you possibly can replace your authorized identify by the myEquifax Dispute Middle.

First, create an account on myEquifax utilizing your deadname, or log in to an present account. After logging in, you can be requested to add the next paperwork:

  • Your Authorized Identify Change Decree
  • Paperwork that embody your Social Safety quantity, similar to your up to date Social Safety card, a utility or cellphone invoice, a pay stub, or a Medicare/Medicaid card
  • Your state ID or driver’s license, or your up to date passport

In case you desire to talk with a consultant as a substitute of fixing your authorized identify on-line, you possibly can name 1-866-349-5191 throughout these hours:

  • Monday by Friday, 9 a.m. to 9 p.m. ET
  • Saturday and Sunday, 9 a.m. to six p.m. ET

To report your authorized identify change to Equifax, you will need to fax or mail the identical paperwork listed above.


Experian has a devoted consumer portal the place you possibly can add the next required paperwork:

  • Your Authorized Identify Change Decree
  • Authorities-issued ID together with your new authorized identify, similar to a driver’s license, state ID card, navy ID, or passport
  • A dated copy of a utility invoice, financial institution assertion, or insurance coverage assertion together with your new authorized identify addressed to your present authorized tackle

Experian’s portal could have a spot to explain your declare. This is what that you must write in that house:

“My authorized identify is now ______; please see the hooked up doc.”

In case you desire to report your authorized identify change by common mail, you possibly can ship copies of the identical paperwork within the mail together with a typed letter stating that you just wish to change your authorized identify in your credit score report. . Ship letters and your paperwork to:

Skilled Dispute Requests

PO Field 4500

Allen, TX 75013


Not like the opposite two credit score reporting bureaus, TransUnion requires that you just first change your authorized identify with every particular person monetary establishment listed in your credit score report. Sadly, this can be a time-consuming course of that everybody present process a authorized identify change – even these married or divorced – has to undergo.

The primary distinction is that transgender and non-binary folks could expertise excessive emotional misery for concern of being overlooked, wronged, or useless when coping with every monetary establishment. LGBTQ+ monetary planner Klippel reminded Fox to take a deep breath all through the method, saying, “You are contributing to actual change by paving the best way for an hopefully extra streamlined course of for trans and non-binary Foxes sooner or later. “

After reporting your authorized identify change to every bank card firm, lender, or financial institution, TransUnion would require you to mail a letter requesting a reputation change that features:

  • your social safety quantity
  • your date of delivery
  • your tackle

You have to additionally embody a duplicate of your authorized identify change decree. Match each the objects:

TransUnion Shopper Options

PO Field 2000

Chester, PA 19016-2000

You can too name TransUnion at 1-833-395-6938 when you have further questions on altering your authorized identify.

Learn how to replace your identify elsewhere

Step 1: File identify change doc together with your state

Every state has its personal course of and necessities for submitting your authorized identify change. The Nationwide Middle for Transgender Equality has a web page that outlines the procedures for every state.

Some states, similar to California, will waive courtroom charges for low-income individuals who obtain meals stamps or Medicaid/Medicare. Some state schools with regulation packages, similar to UC Berkeley, have authorized clinics that assist Fox fill out their identify change paperwork totally free. Google “Transgender Authorized Identify Change Clinic Workshop+ (enter your metropolis and state right here) to seek out authorized clinics in your state.

Step 2: Replace your Social Safety card

To replace your Social Safety card, you will need to ship unique or licensed copies of the next paperwork to your native Social Safety workplace:

  • Proof of your identification, similar to a driver’s license or state ID
  • Proof of citizenship or immigration standing, similar to your certificates of naturalization or passport
  • Your Authorized Identify Change Decree
  • an software for a brand new social safety card

Since that you must ship originals or licensed copies, it is strongly recommended that you just use a type of mail that features a monitoring quantity to keep away from dropping your merchandise. After your software is processed, the Social Safety workplace will ship your paperwork again inside just a few days.

Step 3: Replace every other type of identification you could have

After your authorized identify change is full and you’ve got your new Social Safety card, you possibly can proceed by altering the next types of your identification:

  • Driver’s license
  • State ID
  • Passport
  • navy id
  • everlasting resident Card
  • certificates of naturalization

Subsequent, replace your utility payments and your credit score report as listed above.

further suggestions

OkayEEP copies A report of the variety of paperwork you mailed and the variety of occasions you mail them. You can too make investments just a few {dollars} in licensed mail on the publish workplace, which provides your mail a monitoring quantity you can comply with. As soon as the monitoring quantity states that the mail has arrived, comply with up with a cellphone name to ensure your paperwork have been acquired.

take notes When you’re calling monetary establishments for comply with up motion relating to your identify change course of. Enter the date, when the decision began, the identify of the customer support consultant and when the decision ended. Take detailed notes concerning the subsequent steps within the course of, or after they anticipate that your identify change will likely be full.

unfold out duties over a interval of some weeks as a substitute of tackling them all of sudden. “Since this course of will be overwhelming, upon getting all the required documentation, you possibly can set bite-sized objectives over a three-day interval — one credit score bureau per day,” says Klippel.

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