Credit Report and new job?

So, I've heard that when you leave a job and go for another how does this effect your credit? Is it just a query issue for applying for a credit card, Auto and or House? I was all ways wondering because I've been at my job now for 4 years. I've wanted to quite a couple of times. I've been told it effects your credit. But, wondered how? Is it based on a %26quot;normal query%26quot; or is it a change in income - score ratio is it as bad like if you had a new collection that goes on your credit report. Please let me know...
Credit Report and new job?
I do mortgages for a living and have been n broker agent magazine n 2004 for overall production. 1st it does not affect ur credit period unless u dont pay ur bills cuz of no money. We do look at how long you have been at a job, we need 2 years in the same business line. Such as you can work n a restaurant as a waiter n you can quit n work at another restaurant as a waiter but if you were a cook n then become a waiter that doesnt cuz of obvious money differences. You never want any collections, most mortgage\ auto places are lenient on medical\ student loans and maybe 1 or 2 credit cards lates but its not good cuz too much debt over 40% of any credit card balance brings down ur Fico score so try to keep it lower or make payment early also. Never have collectios\ repossesions ot foreclosures. I have gone bankrupt you will need to be out of it for 2 years to qualify since the market is terrible and subprime is all gone. Most banking\ loan companies go to salary.com to find out what you generally make or close to it based on how many years you have been in the business. Do not have your credit pulled alot it hurts it also. Thats the basics
Credit Report and new job?
Yup, your screwed by the system.
A single inquiry will not significantly impact your credit. Whether it's for a new loan, life insurance, or a job, a single inquiry doesn't hurt very much. Likely only a few points, if at all. Inquiries for new credit only impact your score for a year. Not sure about job related inquiries, but I know they remain for 2 years.



I'm a job hopping bandit. Worked 10 different jobs in the last 11 years. Never had an employer pull my credit.
It does not effect your credit when you leave a job. Alot of Lenders look at how long you have been with an employer when giving a loan to see if you are in a stable job where you will be able to repay the loan. It has nothing to do with your credit report.