Some employers - mostly large private sector and .gov - participate in theworknumber.com.
Some credit card issuers do the equivalent of a soft pull on theworknumber to check employment
status reported. I work for a participating company and I see that Amex does a SP on me at
theworknumber about once a year. That is the only way that I know that a credit card issuer can check on
employment, but it depends on employer participation which is very far from 100%.
+
850 FICO8 since 2015, Thanks MyFICO - 5+ years since last HP
@Anonymous wrote:Sorry to hear that you lost your job. Good job keeping your head up! Been there done that.
Just to add to what the other members were saying: CRAs report the jobs that you put on your auto loan, home loan, and maybe even credit card applications. Other than that there is really no way for them to find out if you were fired, laid off, quit, etc.
Enjoy your time with the fam and good luck in the upcoming job hunt!
Think virtually all of the employment information in the CRA's report databases is self-reported.
On one I have a random contracting agency from 2011, and another my old gig from a company which no longer exists from 1996-97.
@Other sources as mentioned are usually what's used. @OP: unless you tell them or otherwise make them go look, they won't bother. There's lots of reasons to be between gigs (or no gig, someday I'll retire, hopefully), nobody said boo when I was chasing self-startups for a year but I also didn't ask for a whole lot during that time and my bills kept getting paid. End of the day if you're not going late and not demonstrating a pattern with balances that spooks them, it's incredibly unlikely that they'll go looking (costs them additional money to look, bad business practice to do that generally at least with how the market is now).
