Does having two different addresses/names affect the credit report?

Question

I have credit cards with two different banks, I checked my credit score before applying with the second one and was good. My legal name has two last names (I wasn't born in the US), my first bank uses my complete name, first name and two last names as in my social security card, but the second bank decided to delete my second last name, . Also they took my office address and used it as residential address even when I told them not to do so. I'm trying to increase my credit score even more to buy an expensive car at the end of the year. Does this dual name/address affect my report (and score)? Should I change my information with the second bank? Or only the social security number is considering while preparing the credit reports?

Answer 1

All of the names and addresses that you use in dealing with credit will be listed in the personal section on your credit report.

As for the name, many people have more than one last name listed on their reports - usually due to marriage.
If you no longer use the second last name it's no big deal for the second bank not to list it.
If you do use it, it would probably be in your best interests to request the second bank to correct their records and report the corrected info to the CRA's.

As for the address, that could make things stickier when applying for credit. A company could wonder why you have credit showing two seperate and current address.
I would discuss it with the bank and make them change the address from your work to your real home address and report the correction to the CRA's.
(that bank sounds like they are extremely bad with their record keeping)

Keep an eye on your reports. If the CRA's continue to list your work address - dispute it.
Include in your dispute a copy of a utility bill showing your current address and a copy of your drivers license.
(be sure to mark out the account number on the utility bill and your drivers license number on the copies before sending them)

Answer 2

Good Question Well it doesnt affect it whatsoever. I would really love to give you some kind of source but you will just have to take my word for it. Im too trying to get an expencive car and my credit is going sky high because of the the fact I have 3600 TV and the payments are 125 a month but i give them 200. I also am planning on getting a quad using the same method by paying more than yo uare supposed to...jsut dont pay too much it doesnt work like that...Oh and one more thing I gave my mom a credit card so she can use it to buy all her stuff and she pays me back with it so she is really building my credit as well just a recomendation if you trust someone give them a credit card to you advantage it helps trust me. take care always glad to help...

Answer 3

there are some animals with distinctive shade eyes to boot. there a re venen those with distinctive shade eyes. it doesnt mean something its jsut a mutation trait. those cats are cool i accept as true with you. I also have a pal who has 2 distinctive shade eyes