03-30-2013 10:11 PM
Can you have the 3 credt reporting agencies update your employment history?
I am assuming they list the last jobs from credit applications, but I haven't filled them out in years. I used to work for some companies that I do not wish to be shown on my reports.
Also, the addresses would be nice to have refreshed.
04-03-2013 03:46 AM
Yes, send them a request to update your personal information.
They are most often receptive to such requests if you provide proof of your identity, as they use personal identifier info as part of their matching criteria to ensure credit reporting is posted to the correct file, so they have real incentive to maintain the currency of that info.
04-03-2013 04:15 AM
You should dispute any addresses besides your current one. You can dispute your old employment info if you wish. This sort of info is not crucial to your report and is not relevant in your score so it is easier to get them to change it than information on payments or credit accounts. Go online to file a dispute. Each CRA has a different setup. TU however will allow you to edit that info very easily and remove any old addresses yourself. It is very easy to do. I would recommend limiting the information on your credit reports as much as possible. If you get old info deleted, there is no reason to provide them with a bunch of new additional information. I generally operate on the premise that the less info have about me the better. The CRAs are private companies and you are under no obligation to disclose all kinds of private information to them. The less they know the better.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.