1 reviews | Active since Feb 2021
Impossible standards
I have three hard enquiries on my credit report from employment background checks during my job search. When I contacted TransUnion to ask why these are hard enquiries and not soft, I discovered another issue — a recent residential address on my report that I don’t recognize. While explaining this to the agent, she asked me to resend my proof of address and then abruptly hung up on me.
My credit report has no defaults or judgments, yet my credit score isn’t improving because of incorrect information. It’s very difficult to dispute errors since credit bureaus make it almost impossible to reach them. The credit scoring system seems designed to keep people trapped in a cycle of working hard to maintain a good score, while small errors or policies work against them.
Why is an employment check treated as a negative factor?
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I have escalated your query and one of our agents will be contacting you with feedback.
