A deed poll allows you to legally alter your name at any time. However, altering your name in order to avoid debt or improve your credit rating might land you in legal trouble with significant consequences. For example, if you give away assets or make false statements about your identity to creditors or loan companies, you could be fined or go to jail.
Name changes can be used for many reasons including marriage, divorce, inheritance, and adoption. They can also be used to escape liability for debts, maintain a better credit score, use another person's identification, or simply because you want to feel like someone else for a little while.
You should only change your name if you are sure that this is what you want to do. If you already have other people using your old name, then changing it back would be easy once you have found a way to deal with them.
Name changes can only be done at local county courts. You will need proof of identity and address along with $200 to pay the licensing fee. If you do not have the money, you will need to wait until you can afford it. Name changes can only be done by individuals; businesses need a license from the Office for Communications (OFCOM) to use altered names.
However, if you change your name, you will have no credit history associated to you, which may be just as bad as having a terrible credit rating because lenders will be unable to determine whether you are a reliable borrower or not. So, if you alter your name, you must notify any loan institutions, etc. that handle your credit reports immediately.
Also, since your credit history is new, it will not affect your existing loans or mortgages. But, be aware that this can also be a negative factor when trying to get new credit in the future.
Finally, if you want to improve your credit score, one way to do so is through identity theft protection services. If your ID has been stolen, then there is a good chance that your credit report will reflect the unauthorized use of your information, which can lower your credit score over time. Protecting your identity online with password security and fraud prevention tools can help prevent this from happening.
In conclusion, changing your name can have some serious effects on your credit score, so before doing so, be sure to consider all the potential consequences.
A legal name change in the United States can be acquired by a court decree. Though the particular method varies widely from state to state, any US citizen has the right to alter their name by common law or through judicial procedure. For example, someone may be able to obtain a new birth certificate with the name change, which will then appear on all government documents including social security cards and driver's licenses.
The process of changing your name typically involves filing for a name change in either a civil court or a family court. The type of court that handles name changes depends on the identity of the person seeking the change as well as the nature of the change themselves. If you are simply requesting that other people use your new name instead of your old one, a court will generally not grant an order allowing you to be called by a new name. However, if you are changing your name because of marriage, divorce, or some other reason, it may be possible to obtain a name change order from a court.
In most states, you can request a name change by completing and submitting an "Application for Name Change" form to the appropriate court. The forms are usually available at courthouse libraries or from private legal aid organizations. Some courts may have specific requirements for naming your new identity; if this is the case, the judges handling your case may ask you to file additional documentation supporting your request.
No, changing your name will have no effect on any ongoing contracts or obligations. You may be more difficult to locate, but it is public record—it will appear on your credit report. Your best option is to try to pay off your debts, consolidate...
Legally changing your name has a number of possible advantages. First and foremost, it can provide you with a fresh start. A legal name change may be quite powerful, whether you wish to put a terrible past behind you, escape the attentions of a stalker, or start fresh at a new period in your life. It can also have significant psychological benefits. A new name can help you leave negative experiences behind and give you a sense of autonomy and control over your own life.
There are many reasons why someone might want to change their name. If you plan to marry again, for example, then it makes sense to keep your current name on the wedding license until you decide what name you would like to take together as a couple. Perhaps you would like to change your name to something that reflects who you are today rather than who you were when you were born. Or perhaps you just feel like having a change - maybe the old name was causing you stress. Whatever the reason, changing your name is easy to do.
The process of changing your name is relatively simple. You will need to go before a notary public or other official who can administer oaths. They will ask you a series of questions to determine if you are eligible to change your name. If the answers to these questions are yes, then the officer will issue you with a new birth certificate showing your new name. You will need this to complete any necessary paperwork or documents related to your name change.