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☆ Companies brace for Tuesday: Mentions of election surge on earnings conference calls
▼ + stars: | 2024-11-02 | by ( Alex Harring | ) www.cnbc.com time to read: +5 min

Octavio Jones | ReutersExecutives at America's largest companies are talking publicly with investors about the presidential election more so than in recent cycles. The word "election" came up on 100 earnings calls of S&P 500 -listed firms between Sept. 15 and Oct. 31, according to FactSet. The U.S. presidential election is Tuesday Nov. 5. 'Prudent' clientsMultiple companies cited a feeling of unpredictability tied to the presidential race among consumers and business clients. To be sure, some of the "election" mentions this year were tied to unrelated events like enrollment periods for health care.

Persons: Blythe Andrews , Jr, Octavio Jones, Kamala Harris, Donald Trump, Richard Tobin, FactSet, John Butters, Harris, Trump, Harry Lawton, Hurricanes Helene, Andrew Watterson, Michael Bayley, Gary Hershorn, Stanley Black, Decker, Donald Allan, Decker's Allan, William Grogan, Jon Vander Ark, Eric Ashleman, hasn't, Nonfarm payrolls, Equifax, Mark Begor, Stephen Squeri, we've, Mark Parrell Organizations: Public, Reuters, America's, CNBC, U.S, Dover, Tractor Supply, Hurricanes, Southwest Airlines, Royal, Hollywood International Airport, Corbis, Republican, Republic, Boeing, Tyler Technologies, American Express, Equity Locations: Tampa , Florida, U.S, Milton, Royal Caribbean, Fort Lauderdale, Fort Lauderdale , Florida, America, China

☆ FICO and VantageScore are the 'Coke and Pepsi' of credit scoring, says credit expert—what to know about each
▼ + stars: | 2024-10-31 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +3 min

When you view your credit score, you're likely to see a different three-digit number depending on whether you checked your score online, on your banking app or via another means. Although you have multiple credit scores, they're mainly calculated by two companies: VantageScore and FICO, which are the two main credit scoring systems used by the majority of lenders to evaluate how well you're managing your credit. "Think of those like Coke and Pepsi," John Ulzheimer, a credit expert who formerly worked for FICO and Experian, tells CNBC Make it. And your credit history needs to be at least six months long in order for FICO to generate your score. Although FICO scores are also used by lenders when you apply for credit, a mortgage or an auto loan, FICO weighs the factors it uses to calculate its credit scores differently.

Persons: John Ulzheimer, VantageScore, FICO, Matt Schulz, LendingTree's, Schulz Organizations: Pepsi, FICO, CNBC Locations: U.S

☆ Stocks making the biggest moves midday: Nvidia, Travelers, Blackstone, Uber and more
▼ + stars: | 2024-10-17 | by ( Michelle Fox | ) www.cnbc.com time to read: +4 min

Travelers' third-quarter earnings came in at $5.24 per share, topping the $3.55 a share expected from analysts polled by LSEG. Blackstone reported third-quarter earnings of $1.01 per share on revenue of $2.43 billion. CSX — Shares slipped 5.9% after the transportation company reported disappointing third-quarter results. Alcoa — The aluminum producer's stock shed more than 3% after the company reported third-quarter revenue of $2.90 billion, below the $2.97 billion LSEG consensus estimate. Synovus Financial — Shares popped 5% after the company reported better-than-expected adjusted earnings per share for the third quarter.

Persons: Uber, LSEG, Elevance, Blackstone, Equifax, Synovus, — CNBC's Sean Conlon, Hakyung Kim, Alex Harring, Pia Singh Organizations: Taiwan Semiconductor, Nvidia, Micron, Times, Expedia, —, LSEG, CSX, Nokia —, Alcoa, FactSet, Dynamics, Steel, Walgreens, Alliance

☆ Stocks making the biggest moves after hours: Lucid, Discover Financial, PPG Industries, Kinder Morgan and more
▼ + stars: | 2024-10-16 | by ( Hakyung Kim | In Hakyungkim | ) www.cnbc.com time to read: +3 min

The financial services company posted third-quarter results that surpassed expectations, with earnings of $3.69 per share on $4.45 billion of revenue. Alcoa posted third-quarter adjusted earnings of 57 cents per share, topping analysts' estimate for 28 cents a share, per LSEG. Kinder Morgan reported adjusted earnings per share of 25 cents and revenue of $3.70 billion. Management also announced it expects to fall below budget on adjusted earnings before interest, taxes, depreciation and amortization and adjusted earnings per share by 2% and 4%, respectively. PPG Industries posted adjusted earnings of $2.13 per share on $4.58 billion in revenue.

Persons: LSEG, Lucid, Kinder Morgan —, Kinder Morgan, Equifax, —, Darla Mercado Organizations: Discover, CSX, Alcoa —, Alcoa, Revenue, Third Investment Company, Public Investment Fund, Management, PPG, Green, Dynamics, Steel Dynamics

☆ What internet data brokers have on you — and how you can start to get it back
▼ + stars: | 2024-10-11 | by ( Barbara Booth | ) www.cnbc.com time to read: +17 min

Inside data brokers' massive vaultCybersecurity experts estimate that data brokers collect an average of 1,000 data points on each individual with an online presence. Little oversight around data privacyThe lack of comprehensive regulation around data privacy allows data brokers to operate with little oversight, unlike the General Data Protection Regulation (GDPR) in the European Union. Opt-out links and instructions are readily available for most of the major data brokers: ExperianTransUnionLexisNexisEpsilon But data privacy experts says reclaiming or deleting your data from brokers can be a deliberately complex process that is not only time-consuming but frustrating. "With AI, data brokers will create even more detailed and predictive profiles, incorporating everything from biometric data to behavioral tracking," Abed said. Until regulation steps in, data brokers will continue to collect as much data as possible.

Persons: Pew, Arjun Bhatnagar, Roger Grimes, Jeff Chester, Chester, I'm, Bruno Kurtic, Chris Henderson, Chelsea Magnant, Rob Hughes, Kurtic, Cloaked's Bhatnagar, Henderson, Javad Abed, Abed Organizations: Pew Research, Social, LexisNexis, Epsilon, OneRep, Center for Digital Democracy, D.C, Bedrock Security, National Security Agency, CNBC, Data Protection, European Union, NYU's Center for Global Affairs, Brunswick, RSA, U.S, Consumers, Consumer, Engage, Federal Trade Commission, FTC, Johns Hopkins Carey Business School Locations: Washington, California, U.S, Chester

A credit score under these thresholds is also called a sub-prime credit score, which means that creditors might think twice when reviewing your application for a credit line. However, a combination of serious negative marks on your credit score may seriously hurt your credit score, putting you on the lower end of the score range. Minimal credit history: A minimal credit history means you haven't been using credit (like a credit card or loan) for much time. While one credit check on your credit report may dent your credit score by a few points, several of these in a short period of time will significantly hurt your credit score. While one credit check on your credit report may dent your credit score by a few points, several of these in a short period of time will significantly hurt your credit score.

Persons: VantageScore, aren't, you'll, Enoch Omololu, Erik Beguin, Kendall Meade, Jennifer, Read Organizations: New Canadians, Austin Capital Bank, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: annualcreditreport.com, America, TheGrio, New York City

While there's no universal minimum credit score to rent an apartment, landlords generally prefer applicants with a good credit score, which is at least 670. How to improve your credit score for rentingIf your credit score isn't stellar right now, don't worry. The average credit score of a Gen Z consumer is 680 compared to the average baby boomer's credit score of 745. Credit builder loans and rent reporting companies can help you add credit history to your credit report. Frequently asked questions about apartment credit score requirementsCan you rent an apartment if you do not have credit?

Persons: —, TransUnion, Kendall Meade, Jay Zigmont, Jennifer, Read Organizations: Fair, Childfree, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: AnnualCreditReport.com, SoFi, Chevron, America, TheGrio, New York City

☆ Here are Tuesday's biggest analyst calls: Nvidia, Apple, Tesla, Ford, Clorox, Netflix, Pinterest & more
▼ + stars: | 2024-10-01 | by ( Michael Bloom | ) www.cnbc.com time to read: +6 min

Here are the biggest calls on Wall Street on Tuesday: Morgan Stanley initiates LatAm Airlines at overweight Morgan Stanley says shares of the Latin American airline are undervalued. " Morgan Stanley reiterates Tesla as overweight Morgan Stanley says it's sticking with Tesla ahead of the company's robotaxi day. Bank of America upgrades Alcoa to buy from neutral The firm says the aluminum company is uniquely positioned. Goldman Sachs upgrades Ford to buy from neutral Goldman says it likes the auto giant's "opportunity in software and services." Morgan Stanley reiterates Nvidia as overweight Morgan Stanley says it's standing by the dominant maker of AI processors.

Persons: Morgan Stanley, LTM, Tesla, Oppenheimer, it's, Goldman Sachs, Goldman, Raymond James, Atlassian, Hewlett Packard, it's bullish, Jefferies, KeyBanc, Davidson, Patrick, Wells, Nvidia's Blackwell, Raymond James downgrades Disney Organizations: LatAm, Bank of America, Alcoa, AA, Barclays, Apple, Citi, Anheuser, Busch InBev, Ford, HP, Meta, Google, YouTube, UBS, Netflix, Resources Locations: U.S, Mexico, Florida, Parks

☆ How Apple and Microsoft’s trusted brands are being used to scam you online
▼ + stars: | 2024-09-25 | by ( Cheryl Winokur Munk | ) www.cnbc.com time to read: +7 min

No, it's not really Apple or Microsoft popping up on your screen to tell you your computer has been infected. "Because, who doesn't know Microsoft or Apple as a brand?" Here's what people should know to protect themselves from scams targeting commonly used, trusted tech brands:Never assume any online ad is authenticPeople can be duped in a number of ways. Sometimes simply opening the attachment could infect a consumer's computer with malware. If, for instance, you called a number for "Microsoft" or "Apple" and gave usernames and passwords, change those.

Persons: it's, It's scammers, Cliff Steinhauer, Nati Tal, Bing, Malwarebytes, Jérôme Segura, Segura, Jim Routh, It's, Routh Organizations: National Cybersecurity Alliance, Microsoft, Apple, Guardio Labs, McAfee, PayPal, Norton

The process of building credit is often described as a catch-22, because you already need credit to get approved for credit products like a credit card. Fizz Credit Builder Debit Card OverviewFizz is a credit-building debit card that launched in January 2023. User Reviews and RatingsCustomer reviews of Fizz Credit Builder Debit Card are mostly positive. The Fizz Credit Builder Debit Card debit card operates on the Mastercard's network. How to Get a Fizz CardTo get the Fizz Credit Builder Debit Card , you need to download the Fizz app from the Apple app store or the Google Play store.

Persons: Read, —, Fizz's Organizations: Patriot Bank, Google, Apple, Mastercard, Social Locations: Chevron

International credit scores generally do not transfer to credit scores in the U.S. Nova Credit allows immigrants from some countries to apply for credit with an international credit score. FICO VantageScore Payment history (35%) Payment history (40%) Credit balance (30%) Length & type of credit (21%) Length of credit history (15%) Percent of credit used (20%) New credit (10%) Total debt/balances (11%) Mix of credit accounts (10%) Recent credit behavior and inquiries (5%) Available credit (3%)Varying reporting standardsOther countries have credit-scoring systems that differ from the United States. Check for applying without a U.S. credit history — While filling out a credit card application, check a box with "apply without having a U.S. credit history." Along with exploring credit scores, credit reports, and how to build credit, Jennifer analyzes how current economic trends impact everyday people and offers her expert advice on budgeting, saving, and growing wealth in today’s economy.

Persons: Misha Esipov, Dun, Bradstreet, Equifax, TransUnion, you've, Jennifer, Read Organizations: Nova Credit, Popular, Nova Credit's, Nova, American Express, Business, Yahoo, Finance, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: U.S, United States, America, Experian, Nova, Canada, Japan, Australia, Brazil, Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Korea, Spain, Switzerland, TheGrio, New York City

While FICO has deprioritized medical debt in credit score calculations, VantageScore removed medical debt from its calculations. The CFPB announced rulemaking to address the reporting of medical bills on credit reports that would require the credit bureaus to stop reporting medical bills entirely. How medical bills can affect your creditIn the past, credit bureaus would report medical debt the same as any other overdue bills, and could cause your credit score to drop. Protecting your credit from medical billsWhile unpaid medical debt doesn't have the same impact on your credit score as an unpaid credit card bill, it can impact your credit nonetheless. Consider medical credit cards or loansInstead of a traditional credit card, consider a medical credit card or loan.

Persons: FICO, rulemaking, doesn't, —, Experian, VantageScore, Biden, Tiffany Cross, Rick Eicheldinger, You'll, Cross Organizations: Consumer Financial Protection Bureau, CFPB Locations: United States, U.S

☆ Credit expert: You have 'dozens and dozens' of credit scores, but they should all have one thing in common
▼ + stars: | 2024-09-10 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

The idea that you only have one credit score isn't true. In fact, it's one of the biggest credit score myths people consistently fall for, says John Ulzheimer, a credit expert who formerly worked for FICO and Experian. "You literally have dozens and dozens and dozens of credit scores that are not all the same three-digit number," he tells CNBC Make It. Unfortunately, the difference in numbers can cause confusion or even mistrust if you're not aware that you have multiple credit scores, Ulzheimer says. "But really, they're not doing anything wrong, they're just pulling a completely different credit report."

Persons: John Ulzheimer, —, Ulzheimer, they're Organizations: FICO, CNBC

☆ If elected, Trump plans to ban mortgages for undocumented immigrants
▼ + stars: | 2024-09-06 | by ( Tami Luhby | ) edition.cnn.com time to read: +2 min

CNN —Former President Donald Trump plans to ban mortgages for undocumented immigrants, he said in a speech at the Economic Club of New York on Thursday. Trump claimed the measure would help address housing affordability because a “flood” of people entering the country illegally are pushing up housing costs, but undocumented immigrants only make up a tiny portion of the mortgage market. It’s often very difficult for undocumented immigrants to obtain home loans, even though the USA Patriot Act of 2021 allowed banks to accept ITINs as a form of identification. He also said falling interest rates will send mortgage rates down to 3% or even lower, which will make financing less expensive for homebuyers. Trump’s broader views on undocumented immigrants — and his insistence that he would deport millions of them — could also hamper the push to lower home prices.

Persons: Donald Trump, Trump, — Organizations: CNN, Economic, of New, Urban Institute, Social Security, USA Locations: of New York

☆ Why parents may want to start locking a child's credit at a very young age
▼ + stars: | 2024-08-23 | by ( Cheryl Winokur Munk | ) www.cnbc.com time to read: +7 min

While locking their credit won't solve all cybersecurity issues related to stolen Social Security numbers, it's one extra layer of protection parents can implement. Parents can take these steps proactively even if there's nothing to suggest a minor's credit has been compromised such as unexpected credit card solicitations or bills received in the minor's name. It can take some time and effort to lock a child's credit, but the outlay is minimal compared with what can be a lengthy and emotional credit restoration process. Locking a child's credit won't protect against all of these, but it's a solid step in the right direction, financial professionals said. To check to see if their child has a credit report, parents can mail a letter with their request to each of the credit bureaus.

Persons: —, Kim Cole, Loretta Roney, It's, Cole, Bruce McClary, McClary Organizations: Social, Social Security, Navicore Solutions, InCharge, Federal Trade Commission, Administration, Foundation, Credit Counseling

☆ 'Was my Social Security number stolen?' Answers to common questions on the National Public Data breach
▼ + stars: | 2024-08-23 | by ( Lorie Konish | ) www.cnbc.com time to read: +6 min

Glowimages | Getty ImagesYou may have never heard of National Public Data, yet your personal information may have been compromised in the company's recent massive data breach. National Public Data did not return a request for comment by press time. Can you be affected even if you've never heard of National Public Data? Sites like National Public Data may allow for individuals to opt out of being included in their data collections. Additionally, identity theft monitoring tools will let you know if someone tries to open an account using your personal information.

Persons: James E, Lee, it's, you've, Cliff Steinhauer, Steinhauer, — Organizations: Public Data, Jerico Pictures Inc, National, Theft Resource, Finance, Social Security, National Public, Public, National Cybersecurity Alliance, Social Locations: Maine, U.S

☆ 2.9 billion people may have had Social Security numbers, other financial data compromised. What it means for you
▼ + stars: | 2024-08-15 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Sakorn Sukkasemsakorn | Istock | Getty ImagesAbout 2.9 billion people may have had their personal information hacked, a new proposed class-action lawsuit alleges. If true, reports suggest all Americans may have had valuable personal information compromised — including full names, current and past addresses, Social Security numbers and information on parents, siblings and other relatives. In 2013, a Yahoo data breach may have hit all the company's accounts, or a total of 3 billion people. "Freezing your credit is the single most important thing you can do when you get a data breach notice," Lee said. While freezing your credit will limit access to your credit reports, it won't block it completely.

Persons: Sakorn, Cliff Steinhauer, James E, Lee, Steinhauer, I'd, haven't, We've, it's, It's Organizations: Istock, Public Data, Jerico Pictures Inc, Jerico, CNBC, National Cybersecurity Alliance, Theft Resource, Social Security, Finance Locations: U.S

The connection between business credit cards and personal creditWhen you apply for a business credit card, the process largely looks the same as getting approved for a personal credit card. Failure to make payments, as well as other delinquent behavior on a business credit card, will impact your personal credit because of this personal guarantee clause. How business card usage affects personal creditBeyond the initial hard inquiry from an application, you may be curious to know whether using a business credit card will impacts your personal credit. The same rule applies to business credit cards — and the effects of business card defaults on personal credit scores can be detrimental. As with personal credit cards, applying for multiple business credit cards can impact your personal credit score.

Persons: isn't, That's, Experian, it's, that's, Stella Shon, Stella, LendingTree, you’d, Stella doesn’t, Experience Stella, Dolly, ExperienceExpertiseExperience Read Organizations: Ink, of America, Citi, Bank, Bank of America, Newsbreak, MSN, Yahoo, Aviation, Experience, University of North Locations: Wells, Wells Fargo, USA, Korea, Guatemala, Balearic, University of North Carolina, New York, North Carolina

A score between 580 to 669 is considered a fair credit score while a score under 580 is considered a poor credit score. Free credit score check servicesWhile many of these services do charge money, some of the best credit monitoring services are free, such as Capital One CreditWise or Credit Karma. As the base on which your credit score is calculated, credit reports don't actually include your credit scores. Checking credit score frequently asked questionsWill checking my credit score lower it? Your credit reports do not show when you check your credit score, so the credit scoring algorithms have no way of knowing if you checked your credit score.

Persons: Experian, FICO, you've, they're, VantageScore VantageScore, it's, Kendall Clayborne, Clayborne, Jennifer, Read Organizations: Fair, Consumers, Business, America, CBS, MSNBC, CNBC, Forbes, Black Enterprise, USA, The Johns Hopkins University Carey School of Business, Business Journalists Locations: AnnualCreditReport.com, Chevron, TheGrio, New York City

Capital One Platinum Secured Credit Card RewardsMany secured cards don't offer rewards, and the Capital One Platinum Secured Credit Card is one of them. Capital One Platinum Secured Credit Card Benefits and FeaturesThe Capital One Platinum Secured Credit Card is fairly bare bones when it comes to additional perks, but it does offer a few handy benefits. Capital One Platinum Secured Card ComparisonCapital One Platinum Secured Card vs. Capital One Quicksilver Secured Cash Rewards CardAnother secured credit card from Capital One actually offers rewards: the Capital One Quicksilver Secured Cash Rewards Credit Card. Discover it Secured CardAnother secured card worth considering over the Capital One Platinum Secured Credit Card is the Discover it® Secured Credit Card. Capital One Platinum Secured Credit Card Frequently Asked QuestionsIs the Capital One Platinum a secured credit card?

Persons: it's, you'll, You'll Organizations: CreditWise, Capital, U.S, Card, Credit Card, Quicksilver Locations: Capital, Chevron

☆ Retailers are losing $100 billion a year from 'friendly fraud,' report finds — and sometimes it's an accident
▼ + stars: | 2024-07-25 | by ( Genna Contino | ) www.cnbc.com time to read: +3 min

Man sits on a sofa in his living room and uses a credit card to pay online. Stefanikolic | E+ | Getty ImagesFriendly fraud is a broad termCredit card experts say identifying friendly fraud can be difficult. "We look at the number of accounts, number of disputes, number of overturned disputes, number of closed accounts. Looking at Socure's research, $89 billion of the $100 billion attributed to this type of fraud is lost by merchants. The remainder comes from credit card fraud loss ($18 billion) and the dispute resolution from the top 15 U.S. banks.

Persons: Robert Painter, Chi Chi Wu, That's, Wu, Johnny Ayers, Ayers, Domenic Cirone Organizations: Getty, National Consumer Law, Merchant Risk Council Locations: U.S

But it's possible to help your child build a solid credit profile without putting your own credit health on the line. Remember, if an authorized user account is added to your child's credit reports, it has the potential to boost or damage your child's credit scores. A student credit card or a secured credit card can potentially be a good fit for young people who want to establish credit on their own. Can my child build credit without a credit card? Yes, you can build credit for your child without a credit card by using other methods like student loans and certain types of utility payments.

Persons: you'll, it's, you've, they're, It's Organizations: Social, American, Self Locations: Equifax, Chevron

The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Cash+® Visa® Secured Card, U.S. Bank Cash+® Visa Signature® Card. U.S. Bank Cash Plus Secured Card Annual Fee and Other CostsThe U.S. Bank Cash+® Visa® Secured Card is a $0-annual-fee card. U.S. Bank Cash+ Visa Secured Card ComparisonU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Secured Visa CardThe U.S. Bank Secured Visa® Card has fewer frills than the U.S. Bank Cash+® Visa® Secured Card; you won't earn any rewards on your spending, and as far as extra benefits go, you get free access to your credit score and that's about it. Read our U.S. Bank Secured Visa Card reviewU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Cash+ Visa Secured Card Frequently Asked QuestionsIs the U.S. Bank Cash Plus Visa Secured Card worth it?

Persons: You'll, That's, You've, It's, you've, you'll, —, it's Organizations: Business Insider, U.S . Bank, Bank, U.S, Rewards, EV, Bank Cash, Visa, Department, Sporting, Travel, Gas, . Bank, Card, U.S . Bank Cash, Finance Locations: U.S

☆ Hackers are already taking advantage of the CrowdStrike outage chaos
▼ + stars: | 2024-07-22 | by ( Brian Fung | Sean Lyngaas | ) edition.cnn.com time to read: +6 min

CrowdStrike has issued its own guidance on what affected organizations can do in response to the issue. One example of that has been targeting Spanish-speaking CrowdStrike customers, the company said in a separate blog post. When opened, the file installs malicious software that phones home to a server the hackers control and may use to give additional instructions to the malware. “CrowdStrike Intelligence recommends that organizations ensure they are communicating with CrowdStrike representatives through official channels and they adhere to technical guidance the CrowdStrike support teams have provided,” the company said. “Bad actors routinely try to take advantage of current events, so it’s not all surprising to see them attempting to take advantage of this one,” Callow said.

Persons: CNN —, ”, CrowdStrike, Kenn White, “, cybercriminals, Lina Khan, Azim Khodjibaev, Brett Callow, ” Callow Organizations: CNN, Department of Homeland Security, Infrastructure Security Agency, CrowdStrike Intelligence, Federal Trade Commission, Internal Revenue Service, Social Security Administration, FTC, Cisco, FTI Consulting

Updating your name with the credit bureaus can prevent delays in credit applications and other credit reporting errors. Hinterhaus Productions/Getty ImagesTransgender and nonbinary people can report their legal name change to credit bureaus. One of the many steps in your legal transition is to report your legal name change to all three credit bureaus — Experian, Equifax, and TransUnion — so it'll appear on your credit report. How to report a name change with the credit bureausBefore you update your name with the credit bureaus, you first need to update your name on your driver's license, Social Security card, and utility bills first since credit bureaus ask for copies of those documents to verify your name change request. Box 4500Allen, TX 75013TransUnionUnlike the other two credit reporting bureaus, TransUnion requires you to change your legal name with every individual financial institution listed on their credit report first.

Persons: Hinterhaus, there's, —, TransUnion, Ryan Klippel, Here's, Klippel, folx, you'll, Experian Experian, Allen, it's Organizations: Social Security, Optas, Social, TransUnion, National Center for Transgender Equality, UC Berkeley, Google, Security Locations: myEquifax, Allen , TX, Chester , PA, California

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