Employer Listings on Your Credit Report

ECS - Accounts Page
Dear Experian,

I used Quizzle.com to see my Experian credit report. You have my current employer incorrectly listed. The employer you show was a couple of jobs ago, and I work for a completely different company now. How significant is this? Should I request you update your records? Will I harm my credit standing by making such a request?

- CKC

Dear CKC,

Your ID information, which may or may not include your employer, is provided for an account the first time it is reported to Experian. If you go back to that creditor and change your identifying information, they update it when they update the account.

If you change your address or get married and change your name, for example, you would likely notify your creditor. But, people don't typically notify their creditors when they change jobs.

Also, it is not uncommon for a person to change jobs one or more times between credit applications, so it is quite possible that not all of your employers will be listed.

The names of employers provided on your credit report are not designed to represent a complete employment history. Rather, the list can help in verifying your identity.

When you complete a credit application, you are often asked to list your current and previous employers. The names you provide can be checked against those that appear in your credit history. If all or several match, there is a stronger probability that you are who you claim to be.

The company you list as your current employer may be provided to Experian with the application information, and that name will be added to the employer listing.

Always remember that your identifying information is used for identifying you and is not considered in any scoring models. So, you shouldn't be overly concerned about a missing employer. But, you can request that your current employer be added by following the dispute instructions provided with your personal credit report.

Thanks for asking.
The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through December 31, 2022 at AnnualCreditReport.