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Another thing to consider - if you have federal student loans, they have unemployment deferment options. Private loans are trickier but some lenders will work with you. The key is being proactive and honest about your situation rather than just hoping things will get better soon.
Just want to say hang in there. Being on unemployment is stressful enough without worrying about credit. The fact that you're thinking ahead about this shows you're being responsible. Take advantage of whatever help is available and don't feel bad about using hardship programs - that's literally what they're there for.
Just want to echo what others said - unemployment and credit are completely unrelated. I work in banking and can confirm that unemployment benefit information is not shared with credit reporting agencies. Your credit score is based on payment history, credit utilization, length of credit history, types of credit, and new credit inquiries. Government benefit programs like UI don't factor in at all.
The whole mailed check system is outdated honestly. I switched to direct deposit after my first payment took 8 days to arrive. NYS Department of Labor really should push people toward direct deposit more - it's 2025, who wants to wait for checks in the mail?
The funding structure is: employers pay State Unemployment Tax (SUTA) to NYS Department of Labor based on their payroll and claims history. There's also Federal Unemployment Tax (FUTA) that helps fund the system administration. During normal times, no general tax revenue is used. However, during recessions when the trust fund runs low, the state may need to borrow from federal government or use other funding sources.
I've been trying to get through to NYS Department of Labor for weeks to ask questions about my claim and couldn't reach anyone. Finally found this service called Claimyr at claimyr.com that actually got me connected to a real person. They have a video demo at https://youtu.be/qyftW-mnTNI showing how it works. Saved me so much frustration with the phone system.
Aurora St.Pierre
I had such a nightmare trying to get through to NYS Department of Labor when I was laid off last year. Spent hours on hold just to ask basic questions about my claim status. Finally found this service called Claimyr that actually got me connected to a real person at the unemployment office. They have a demo video at https://youtu.be/qyftW-mnTNI that shows how it works. Saved me so much frustration when I needed to verify my employer information for my claim.
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Daniel Price
•That sounds helpful - did it actually work to get you through to someone?
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Aurora St.Pierre
•Yeah it did! Check out claimyr.com if you need to talk to NYS Department of Labor directly. Way better than trying to call on your own.
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Grace Johnson
just remember that even though your employer pays the taxes, they can still contest your claim if they think you weren't eligible. happened to me and had to go through a whole appeal process
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