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Question By
SarahLee70

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If I've had the same employment for 9yrs why is my report show I'm unemployed?

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Top Contributor
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Employment info comes from you

Helpful to 2 out of 3 people

Believe it or not, the employment information on your credit report comes from you!  Your employment is only reported (if at all) at the time of your application of credit with a creditor.  Meaning when you apply to credit, the lender takes the information you report to them and then reports it to the credit bureaus when they ask for your credit report.  There typically is no verification for this portion at that time because lenders usually verify your employment after they get your credit reports.  And as you may have already learned, not every creditor actually reports the employment info.  Since there are no credit scoring models that use the employment information in your score, they are not required to update or report it at all.  So for those reasons, your credit report could show completely different employment information from the truth.

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