Income Important?

[danimaltex]

Hi all -
I have been pouring over my report and this website for days. I am learning a considerable amount. Some years ago after college I moved to an area that I could not find work in my field. So for several years my credit was horrible...I am just now taking an active stance in my credit repair. I have a judgement, some late stuff, a garnishment for student loans, a collection,...just a bunch of stuff, but ironically enough my scores are 530, 567, 564. I think i fell into the category of i will just pay cash and keep paying my bills ontime....

Well its time to clean this mess up and i think i have reasonable goals....and some questions (that i couldn't find)

First one is: 2 of my reports still show jobs that i had 15 years ago, in my early 20's... i made 12-15 p/hour...... im now a degreed professional making 90k a year...does this impact my score any?

Thanks,
Dan

[Trish]

Hi Dan. Welcome

The employment history does not affect or impact your score at all....... BUT you should definitely have it removed. That's part of the first steps when you're updating and deleting all of your personal info. Get AS MUCH info removed. When you start disputing TLs on your CR, most of them will end up getting verified electronically..... and the less identifying info you have on there, the better. The better your chances will be at getting a delete.

From what I've learned, if the CRAs can match up at least 3 pieces of identifying info with the CAs.......they call it good.......verified. That's why any old addresses, name variations, phone numbers and employment history should be removed.......therefore making it more difficult for them to verify the debt as yours.