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Thread: Credit Check and Employer Related

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    Veteran Member Pearl_Sugar's Avatar
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    Default Credit Check and Employer Related

    So, I am currently in-process of viewing my annual credit reports. I wanted to see why my score was so low, aside from the fact that my debt-to-credit ration is 96% and I have student loans out the wazoo and car loan credit inquiries.

    And I found this little gem!


    When I did my taxes last year, I said I was an independent contractor/self employed and that it was customer service.
    I never once stated ANYWHEREEEE~ that I am employed by "Stremate"
    But obviously I must have.

    Now, I'm considering disputing this "Stremate" on my credit report. 1) On the grounds that it's spelled wrong. 2) Does it really need to be there? Like, I didn't put it there, how did it get there? Can I dispute this and win?

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    Default Re: Credit Check and Employer Related

    I can probably tell you how it got there. Banks can manually, at any time, update your employer. And they do. So if you have ever worked on Streamate and received either checks or direct deposit, that is probably how it got there. There really is no way to avoid it.

    Also, when you dispute it from your credit report, even if it is removed, it will likely be added back by your bank. Additionally, it will still show up on deep background checks even if it is deleted from your credit report.

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    Veteran Member Pearl_Sugar's Avatar
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    Default Re: Credit Check and Employer Related

    So there's no real point in deleting it. I mean, it IS spelled wrong. :p

    Edit: By the way, totally using your credit report improving guide on my husband's credit report since I can't really dispute anything on mine. Thank you. :3
    Last edited by Pearl_Sugar; 01-04-2014 at 02:51 PM. Reason: You'remyfinancialidol.

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    Default Re: Credit Check and Employer Related

    Quote Originally Posted by Pearl_Sugar View Post
    So there's no real point in deleting it. I mean, it IS spelled wrong. :p

    Edit: By the way, totally using your credit report improving guide on my husband's credit report since I can't really dispute anything on mine. Thank you. :3
    If you were really worried about it, I'd dispute it and then get direct deposit through Payoneer's bank transfer service thing. I'm not sure if "Streamate" would show up to your bank that way, if that is how it indeed got onto your credit report. I'm actually not sure what the bank sees on their end when Payoneer does a bank deposit.

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    Featured Member Vamp's Avatar
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    Default Re: Credit Check and Employer Related

    Having worked at a bank, I can tell you that banks do not update your employer randomly.

    The only time employment information is reported to your credit report is when your credit report is pulled. The employment information is included from the "application". It is part of the process of pulling a credit report. It could of been something you said off record to the person processing it and they included it. Some employers report to the credit reporting agencies. Some employer pull credit reports for work applications or direct deposit.
    Which is why some employment information shows up and others do not.

    You can dispute it as invalid information. Technically you never worked for that company. They wont give you a hard time about the dispute of employment information.
    Last edited by Vamp; 01-06-2014 at 11:12 AM.
    Nature knows no indecencies; man invents them. ~ Mark Twain


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    Default Re: Credit Check and Employer Related

    Quote Originally Posted by Vamp View Post
    Having worked at a bank, I can tell you that banks do not update your employer randomly.

    The only time employment information is reported to your credit report is when your credit report is pulled. The employment information is included from the "application". It is part of the process of pulling a credit report. It could of been something you said off record to the person processing it and they included it. Some employers report to the credit reporting agencies. Some employer pull credit reports for work applications or direct deposit.
    Which is why some employment information shows up and others do not.

    You can dispute it as invalid information. Technically you never worked for that company. They wont give you a hard time about the dispute of employment information.
    My bank literally did it and told me they update it randomly if you deposit a lot of checks from or get a lot of direct deposits primarily from the same company. They will assume it is your new or main employer and will update it. Your bank must not have, but I know personally that others do because it happened to me. Mine was US Bank.

    Also, when I applied for my last bank account, they didn't get my occupation off my credit report. They asked me my profession, and that is what they typed into the computer and what is on file. It did not come from my credit report, and my credit report lists my profession simply as "self-employed" anyway and I keep it that way on purpose.

    Streamate is not an employer and they do not report to credit agencies. They have millions of girls I'm sure. People are independently contracted through them and receive a 1099 just like if you are a stripper. However, I can think of very few girls who don't splitcam, so most girls are receiving several 1099s per year. However, Streamate is many girl's #1 income source, which is why it was probably updated on the credit report probably from a bank account. Especially if you have a bank account with a bank and then apply for a credit card with that bank- your account information is linked together and credit cards report to credit bureaus. That is what happened to me.

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    Featured Member Vamp's Avatar
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    Default Re: Credit Check and Employer Related

    Quote Originally Posted by GlamourRouge View Post
    My bank literally did it and told me they update it randomly if you deposit a lot of checks from or get a lot of direct deposits primarily from the same company. They will assume it is your new or main employer and will update it. Your bank must not have, but I know personally that others do because it happened to me. Mine was US Bank.

    Also, when I applied for my last bank account, they didn't get my occupation off my credit report. They asked me my profession, and that is what they typed into the computer and what is on file. It did not come from my credit report, and my credit report lists my profession simply as "self-employed" anyway and I keep it that way on purpose.

    Streamate is not an employer and they do not report to credit agencies. They have millions of girls I'm sure. People are independently contracted through them and receive a 1099 just like if you are a stripper. However, I can think of very few girls who don't splitcam, so most girls are receiving several 1099s per year. However, Streamate is many girl's #1 income source, which is why it was probably updated on the credit report probably from a bank account. Especially if you have a bank account with a bank and then apply for a credit card with that bank- your account information is linked together and credit cards report to credit bureaus. That is what happened to me.

    If Streamate is verifying SSNs via credit reporting agencies or maybe with the 1099s perhaps that is how it is transmitted.

    In this case with the name being spelled wrong, I would think it was from an outside source. I explained the other ways as generalities for future reference.

    Most employees at branches make up stuff. For example, I knew bankers who would blame the patriot act ,for anything that made a customer upset. The patriot act had nothing to do with it, but they used it because they didnt know. In some banks they dont give customers full information because they think it will keep things honest. If people dont know how it all works they cant game the system. Other banks just dont train anyone very well. I was never like that. I always tried my best to help customers and educate them with correct information. Only when people have correct information can they make the right decisions for them.

    From what I know about the systems it is impossible for check deposts to cause something to be reported to the credit reporting agency.

    The direct deposit isnt reported by the bank to the credit reporting agencies. That process would be extra fees the banks dont want. Not to mention banks never pay to do anything that doesnt benifit them. They get nothing from reporting it.

    But if the employer is using credit reporting to verify social security numbers when setting up direct deposits or employment, that could be how it is transmitted.

    In an effort to show that I am not just trying to be a pain in the ass lol, I did some research to make sure what I was saying is correct... I got part of it right and part of it wrong

    "Employers don’t report job histories to Experian or the other national credit reporting companies.

    In fact, the employer listing on a credit report is not an employment history at all. Rather, the employers shown in your credit report are provided by your lenders when they first report the information from your credit application.

    Because the employer listing is updated only when you apply for new credit and is not provided to Experian in all cases, it is not meant to be an employment history.
    Rather, it may be used as an additional identification tool. For example, a potential employer could match the employers you list in a job application to those listed in your credit report, helping them verify your identity and the information in your job application."

    http://www.experian.com/blogs/ask-ex...ing-on-report/
    Nature knows no indecencies; man invents them. ~ Mark Twain


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    Default Re: Credit Check and Employer Related

    My bank literally did it and told me they update it randomly if you deposit a lot of checks from or get a lot of direct deposits primarily from the same company. They will assume it is your new or main employer and will update it. Your bank must not have, but I know personally that others do because it happened to me. Mine was US Bank.
    Anecdotal evidence shows that other banks do the same ... a pattern of repeated deposits from a particular source leads to that source appearing as your 'employer' on credit reports.

    As far as background checks go, indeed you are correct that these days any in-depth background check performed by a 'sensitive' employer or by a state professional licensing agency will, in all likelihood, turn up 1099 'paper trails' leading back to adult industry related businesses.

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    Featured Member Vamp's Avatar
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    Default Re: Credit Check and Employer Related

    Quote Originally Posted by Melonie View Post
    Anecdotal evidence shows that other banks do the same ... a pattern of repeated deposits from a particular source leads to that source appearing as your 'employer' on credit reports.

    As far as background checks go, indeed you are correct that these days any in-depth background check performed by a 'sensitive' employer or by a state professional licensing agency will, in all likelihood, turn up 1099 'paper trails' leading back to adult industry related businesses.
    What anecdotal evidence? are you talking about checks or direct deposits?
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    Default Re: Credit Check and Employer Related

    checks for sure

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    Default Re: Credit Check and Employer Related

    Just out of curiosity what website did you use to check your credit?

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    Default Re: Credit Check and Employer Related

    Quote Originally Posted by Melonie View Post
    checks for sure
    This is exactly why I do direct deposit through Payoneer. Otherwise it would say the company's name when it is direct deposited.

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    Default Re: Credit Check and Employer Related

    Years ago, I worked on Naked and my credit report said wwwnakedcom. I disputed it and it was taken off within a day.

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    Default Re: Credit Check and Employer Related

    ^^^ indeed it's very easy to dispute 'employer' listings on credit reports. The 'trick' of course is that you must manually check your own credit reports frequently in order to determine if a bank has taken it upon themselves to report repeated check cashings from a particular company as your 'employer'.

    Also agreed that direct deposits via a 3rd party payment processor creates a 'layer of separation' between an adult industry 'payer' and your personal bank account. Opening a separate, dedicated business bank account for your adult industry related business activities creates an additional 'layer of separation'.

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