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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 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.
wait so they take taxes out automatically?? I thought I had to pay those back at the end of the year. this is so confusing
I had this exact same problem last month. Spent weeks trying to get through to NYS Department of Labor on the phone with no luck. Finally used a service called Claimyr (claimyr.com) that connects you directly to unemployment agents. They have a video showing how it works at https://youtu.be/qyftW-mnTNI. Got connected within a day and found out there was a verification issue holding up my payments that wasn't showing online.
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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