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This has been so helpful everyone. I feel much more informed about unemployment funding and know what questions to ask when I do manage to reach Washington ESD. Thanks for taking the time to explain everything!
My wife was paranoid about this same thing last year. Turns out her credit score actually improved while she was on unemployment because she wasn't stressed about money and could focus on paying bills on time.
Just want to echo what everyone else said - no credit impact from filing for unemployment. I've been a loan officer for 8 years and have never seen unemployment benefits on a credit report.
Just wanted to follow up on the Claimyr thing I mentioned earlier. I ended up using them again this week to check on my claim status and it worked great. If you're having trouble getting through to ESD, it's definitely worth checking out their demo video to see how it works.
I've been trying to call ESD for days with no luck. Might have to try this Claimyr service too.
Update: I applied for unemployment after being fired for performance issues and just got approved! The adjudication took about 4 weeks but it was worth the wait. Don't let anyone tell you that being fired automatically disqualifies you.
One last piece of advice - save copies of everything. Every form you submit, every confirmation number, every letter they send you. If there are any issues later, having good records will save you a lot of headaches.
Thanks everyone for all the helpful responses! I feel much more confident about filing now. Sounds like as long as I'm prepared and honest about everything, it should be manageable. I'll definitely keep that Claimyr service in mind if I run into any issues getting through to Washington ESD. Really appreciate all the advice!
Elin Robinson
I tried using that Claimyr thing someone mentioned and it actually got me through to ESD when I needed to ask about tax withholding. Worth checking out if you can't get through their regular lines. The demo video explained it pretty well.
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Atticus Domingo
•Did you have to wait long once you got connected?
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Elin Robinson
•Not really, maybe 10 minutes on hold after getting transferred. Way better than the hours I wasted trying to call directly.
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Beth Ford
Bottom line for anyone reading this - unemployment benefits are taxable income, period. Plan accordingly by either having taxes withheld or setting money aside. Don't get caught off guard like so many of us did!
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Alejandro Castro
•This whole thread has been super helpful. Going to start withholding taxes immediately and set aside some money for what I already received. Thanks everyone!
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Morita Montoya
•Smart move. Better to be prepared than scrambling at tax time.
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