Your employer information gets added to your credit report usually when you apply for credit and you give them your employer's name. I know this because I applied for credit over the phone with NFCU a while back (they pulled TU) and the rep completely mispelled my employers name, and now I have this mispelled iteration of my employer's name on just my TU report.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:Your employer information gets added to your credit report usually when you apply for credit and you give them your employer's name. I know this because I applied for credit over the phone with NFCU a while back (they pulled TU) and the rep completely mispelled my employers name, and now I have this mispelled iteration of my employer's name on just my TU report.
I can confirm that the employer info must have been added from a lender side as my employer in Europe does not even know about the existance of Experian and is listed on that file. TU and EQ have no employement info for me. My guess is that BofA has reported this info (was looking at the reporting date and this leaves me only 1 option)
looks really funny a Swiss employer on Experian 
@RobertEG wrote:One of the main uses of personal identifiers in your credit file is that they are used by the CRAs as the criiteria for matching credit reporting with the correct credit file.
Their current accuracy helps in preventing mismatching of reporting with the wrong consumer file.
Supposedly unique identifiers, such as SSN or TIN, are the primary matching criterion.
However, full name and current address can be significant, such as if SSN is not provided, and your are a Jr living at the same address with dad.
I dont think employment info is used in file matching, but certainly is someething that potential creditors will take a look at.
Yep.
Unfortunately my files have no curret or past employers listed. I'm not sure how long they stay on when they are added. The last time I apped for credit before I retired was around 1980 (never added to CCs after that or bought anything on credit) so I guess they don't keep them on forever.
But it does look odd to creditors when you app. Even when you say you are retired they ask how long ago.
I've updated my info and removed employers and old phone numbers. The employee information was way off. I did a simple dispute and it was removed almost immediately.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@RobertEG wrote:If you do dispute personal identifier information, dont dispute directly with the employer. Send it to the CRAs.
The direct dispute rules at 16 CFR 660.4 specifically exempt personal identifier information from the direct disptue process.
I agree, I disputed with the CRAs, and I only disputed because the info was way off!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.