Changing your name after marriage is a big choice for many couples, whether you want to accept your spouse's surname, hyphenate or create a new name. The procedure may seem overwhelming at first but it is manageable with the correct help and required paperwork.
Step 1: Obtain Marriage Certificate:
Getting your marriage certificate is the first step towards officially change your name after marriage. This is an essential document since it is the official record of your marriage and your eligibility to name change.
Where to get it: Marriage certificates are issued by the vital records office of the county or state where your wedding took place.
What you’ll need: You may need to fill out an application that provides identification and pay a small fee to receive a certified copy of the certificate.
Important tip: Ensure that the certificate is certified (not just a photocopy), as this is often required by government agencies.
Step 2: Choose a new name:
You must select your preferred name before proceeding with the legal process. The majority of people choose for:
Take their spouse’s last name.- Hyphenate both last names.
- Combine both last names into a new one (though this may require a court petition).
- Choose a completely new name (may also require a court petition).
Important point: Since different jurisdictions have specific rules permitting name changes after marriage, make sure to check the laws in your state or nation. For example, in some states, you can simply change your last name but in others, you may be able to change both your first and last names using just a marriage certificate.
Step 3: Change Name on Social Security Card:
The next important step is to notify the Social Security Administration (SSA) about your name change.
What to do: Fill out the Social Security Administration's Form SS-5, which is the application for a new Social Security card.
Required documents: You’ll need your certified marriage certificate, proof of your identity (such as a driver’s license or passport) and your current Social Security card.
Submission: You can send your application or deliver it in person to the SSA office in your area. Once finalized, you will receive a new Social Security card with your changed name but your Social Security number will remain same.
Tip: When renaming yourself, it's important to update your Social Security information since other agencies will probably check your new name with the SSA.
Step 4: Changing Name in Driving License:
After you've updated your Social Security card, next visit the Department of Motor Vehicles (DMV) to change your name on your driver's license or state ID.
What to bring: Make sure you have your verified marriage certificate, your current driver's license or state ID and your new Social Security card. Additional identity or residence documentation may be needed in some states.
Process: A name change must be applied for in person at most DMVs, and other states let you change your information online.
Important note: Each state has different requirements, so check with your local DMV ahead of time to ensure you have all the necessary documents.
Step 5: Update Your Passport:
If you already hold a passport, you will need to change it with your new name. The procedure differs according on how recently your passport was issued.
Less than one year old: If your passport was issued within the last year then you can update your name for free by submitting Form DS-5504, your current passport and your certified marriage certificate.
More than one year old: If your passport is older than a year then you’ll need to submit Form DS-82 (for renewal), your current passport, certified marriage certificate and pay the applicable fees.
Tip: Plan ahead of time as processing periods might vary, particularly during peak travel seasons.
Step 6: Change Name on Bank Account:
It's time to update your financial information after you've updated your identity documents. This involves changing your name with your bank, credit card company and other financial institutions.
What you’ll need: Most banks will require you to present your updated Social Security card, driver’s license and marriage certificate to change the name on your accounts.
Process: Some institutions allow you to update your information online, while others may require you to visit a branch in person.
Tip: Don’t forget to order new checks, debit cards and credit cards with your updated name.
Step 7: Notify Other Agencies and Institutions:
You'll need to change your name with a number of other organizations in addition to banking institutions and government agencies such as:
Employer: Notify your employer’s HR department to update your payroll records, insurance information and retirement accounts.
Insurance providers: Change your name with your health, auto, life and other insurance providers.
Utilities: Contact utility companies (e.g., gas, water, electricity) to ensure your bills are in your new name.
Voter registration: Don’t forget to update your name on your voter registration.
Tip: Make a list of all the places where your name appears to ensure that no important organizations are missed.
Step 8: Notify Credit Reporting Agencies:
Notifying the three major credit reporting agencies such as Experian, TransUnion and Equifax about your name change is a good idea to prevent misunderstanding later on. This will maintain the accuracy and currency of your credit report.
What to send: Provide a copy of your updated Social Security card, driver’s license and marriage certificate.
Why it’s important: Keeping your credit report accurate ensures that there are no issues with obtaining loans, mortgages or other financial services in the future.
Step 9: Update Your Online Accounts:
Finally, make sure to update your name on your online accounts. This includes:
- Social media profiles.
- Subscription services (Netflix, Amazon, etc.).
- E-mail addresses.
- Online shopping accounts (e.g., eBay, PayPal).
Tip: Many online platforms allow for name changes in the account settings that making this step relatively quick and easy.
Conclusion:
Legally changing your name after marriage requires numerous procedures but with proper planning, the process may be simple and uncomplicated. This article has covered all the necessary procedures for changing your name in 2024 from getting your marriage license to updating your driver's license, bank accounts and Social Security card. Keep in mind that while certain modifications (such passports) can be completed quickly, others may require more time. Your new name will soon be officially acknowledged on all significant paperwork and accounts.
