 TITLE: Is Employment Listed in Your Credit Report? CONTENT: You may assume that your bosses have been independently sending information about you to the credit reporting agencies, but that's not the case. In fact, an employer is on your report because you provided that information on an application for credit.\nThe paperwork for loans, credit cards and finance companies typically have a field for you to submit information about your job. The amount you earn, where you work and how long you've been with the company are relevant for the qualification process. To properly analyze risk and whether you can afford to pay back the loan or line of credit, the lender will need an accurate picture of your financial situation and source of income.\nOnce the lender has received your completed application, it will notify the credit reporting agencies with certain details about you, which can include the employer you listed. There is no requirement that the lender supply that information to the credit reporting agencies, but many do. When the information is shared, the credit reporting agency (Experian, TransUnion or Equifax) will attach the name of the company to the identification section of your credit report. It will appear alongside identifiers such as your name, Social Security number and date of birth.\nIf you applied for credit products while working at previous jobs, those may also be listed. Consequently, your credit report can contain a complete or partial history of your employers.\nWhat won't be included about your employment: the length of time you worked at each company, the positions you've held and your income. All that data is between you and the lender, so will not be shared with the credit reporting agencies. END