My wife changed her name with the SS office & her driver's license well over a year ago, but still hasn't gotten around to changing her credit cards & misc bank accounts. In fact, even our joint account had her maiden name until about a week ago.
We're getting ready to apply for a mortgage, and I feel like this is going to come back to haunt us somehow. I keep asking her to get it done, but she's convinced that it's no big deal. Am I just being paranoid? If you change your name, aren't you supposed to change it everywhere??
Divorce / Separation Lawyer
While it may cause some limited confusion when she applies for new credit or tries to cash checks, as long as she isn't deliberately defrauding anyone, it's not a big deal. Having said that, she'll have fewer small inconveniences in life if she does update her accounts.
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There usually isn't any reason to worry or rush to change the names with creditors (all things being equal). But, as a matter of "housekeeping", if she is planning on keeping her new name, it would make sense to notify the creditors at some point, But again, there is probably no need to worry about it for any other reason than she may still want to be known by her maiden name, and for what purpose.
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Chapter 7 Bankruptcy Attorney
Credit is based on social security numbers, and many ladies no longer give up their names when they get married. I know I didn't! I can't see how having credit in her original name would prevent her from applying for credit jointly with her. Hope this perspective helps!