For transgender or non-binary consumers, completing a legal name change is a major milestone. As part of this effort, they can change their first and/or middle names on their credit report by providing the appropriate documentation to the credit reporting agencies, including TransUnion.
TransUnion is a proud ally of the LGBTQ+ community, and we’re committed to helping consumers navigate the name change process. Here’s an overview of the steps to follow to change your name on your official records and your credit report:
The steps you’ll follow to complete a legal name change will vary depending on the state where you live. You can find a state-by-state guide to the process for updating your legal records, such as your Social Security record, driver's license, birth certificate and passport, from the National Center for Transgender Equality. In general, the first step for a transgender name change will be getting a name change order through your local court.
Then, you’ll likely need to update your name with the Social Security Administration. From there, you can get updated copies of other documents such as a driver’s license through your local department of motor vehicles.
Your next step will be to update your financial accounts. Reach out to your bank and creditors to change your name on those records. This is an important step because if they’re not notified, they may continue reporting your previous name to the credit bureaus.
After updating your financial providers directly, you’ll want to reach out to the credit bureaus to update the name on your credit report. This is an important step for consumers changing their first and middle names as it helps maintain the integrity of their report.
When you change your name, whether due to marriage, divorce or transitioning, the credit bureaus including TransUnion will likely learn of the change from your bank or lender and automatically update your report. However, when changing first or middle names, it’s important to take the extra step of notifying the bureaus to ensure your credit history remains intact under your new name.
In order to change your name on your TransUnion credit report, you’ll need to mail in supporting documents, which will likely be the court order regarding your name change. Please include a letter requesting the name change that includes your address, date of birth and Social Security number so we can locate your credit report in our system. You’ll mail that documentation to:
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
You can download a mailing label here. If you have any questions along the way, please reach out to TransUnion at (833) 395-6938 and we can guide you through the process.
TransUnion remains committed to making sure your credit report is accurate and reflects your identity.
You’ll want to inform all three credit bureaus of your name change: TransUnion, Experian and Equifax. By completing this process, you can help preserve your credit history as you transition to your new legal name.
The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.
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