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Employment impact on scores?


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Neither my EQ or EX reports show employment information for me. After disputing some incorrect employment information that used to show, both reports now show "No employment details listed" for me.

Does having employment information listed have any impact on my scores at all? Should I bother updating employment info with EQ and EX?

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It does not effect your score. It might look better to have your current job added. You can call and ask the credit bureaus to add the information. If you don't give them the exact street address they will just add the name for the business that you give them. That should be fine.

I personally think it looks better to get your personal info. listed correctly.

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What's Not in Your Score

FICO scores consider a wide range of information on your credit report. However, they do not consider:

Your race, color, religion, national origin, sex and marital status.

US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.

Your age.

Other types of scores may consider your age, but FICO scores don't.

Your salary, occupation, title, employer, date employed or employment history.

Lenders may consider this information, however, as may other types of scores.

Where you live.

Any interest rate being charged on a particular credit card or other account.

Any items reported as child/family support obligations or rental agreements.

Certain types of inquiries (requests for your credit report).

The score does not count "consumer-initiated" inquiries - requests you have made for your credit report, in order to check it. It also does not count "promotional inquiries" - requests made by lenders in order to make you a "pre-approved" credit offer - or "administrative inquiries" - requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either.

Any information not found in your credit report.

Any information that is not proven to be predictive of future credit performance.

Whether or not you are participating in a credit counseling of any kind

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