I changed my name twice, I saw my credit reports from each of 3 reporting agencies, I bought a house twice, and was on an edge with a bankruptcy a few years back. So, I've dealt with credit a lot. I start with my ssn and then I give them either my new name, or sometimes the old one (if I had account with them before), but my old name is used only for verification purposes, along with dob, and my mailing address.
I haven't recently ran my own credit report, and maybe if your name don't match, you'd fail verification protocol? I don't know - normally, I just say - I've changed my name from this to that, but I stop doing it after a few first times, after first two-three months. Then - it's only updating my name and address at those institutions where I have an account. It's usually done most of the time over phone / internet, but sometimes they might want a fax or physical mail with copy of my ID.
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