My husband's brother just got married to someone with my same first name, so our married names (first and last) are now both the same. Is there any way this could affect me or my credit and if so, what can I do to protect my identity?
One way to protect yourself is to get your annual free credit report from all three credit reporting agencies (Experion, Transunion, & Equifax) each year and review for accuracy.
Anything is possible, but credit reporting requires more than just the same name to acquire misinformation. Creditors reporting history must include your social security number and date of birth. Since much identity theft takes place within a family environment, protect your social security number & lie about your birthdate to your relatives. You can always place a lock on your credit. Hope this perspective helps!
I agree with my colleagues. There are many people in this country that have the same names. You are protected by having a different Social Security Number, and other methods of identification. If you are really worried, I recommend to taking advantage of the opportunity to get your credit report free of charge once a year. Since there are three agencies, (Experian, TransUnion and Equifax) you could get one credit report (Experian) and then four months later get it from another agency (TransUnion), and repeat. I would not worry too much about this issue.
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