Originally Posted by msc75

It's tracked by SSN, not name, like PP mentioned. She will not get the points again.

If anything, the name change sometimes slows the applications. I changed my name last year. My husband's apps get approved automatically and mine always go through a few days considerations even though I have a higher FICO and lower credit utilization. When I call they tell me they can't figure out what the hold up is and approve on the phone. I highly suspect the multiple names on my credit report raises a flag that won't let the system auto-approve.