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No, legally changing your name has no effect on your credit score and it doesn't impact on a partner's credit score either.

So, if your credit score is not to your liking, you may be wondering if you can wipe your credit history clean. Although you can't wipe it clean, you can utilize best practices to help build better credit going forward and maybe even earn a higher credit score over time.

Typically, you'll need to fill out some paperwork, provide a photo ID and submit evidence of your legal name change. After a creditor changes your name, it can be updated in your credit reports the next time the company submits your account information to the credit bureaus.

A name change won't affect your credit history. Don't be concerned; your credit history is tied to your Social Security number, which hasn't changed. In other words, if you have an excellent credit score, changing your name shouldn't affect it unless you've done things like make a late payment.

No matter what you do with your name, the debt remains. In fact, you can be charged with fraud if you changed your name to avoid debts. It was your debt before you changed your name, and will follow you along with your new one.

How Do I Remove Negative Items From My Credit Report? Dispute erroneous items on your credit reports by doing the work yourself. Hire a credit repair service to dispute inaccurate items on your behalf. Send a goodwill request. Send a pay for removal request. Wait for items to age off your reports.

Pay the debt The easiest step is to approach the business to whom you owe money and settle the account. Often, you can negotiate a settlement with them. Afterward, you can ask your creditor to write a letter to the credit bureaus exonerating you of the debt because you've paid it.