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Isabella Oliveira

Do apartments accept Washington ESD unemployment as income when applying?

I'm currently receiving unemployment benefits from Washington ESD and need to find a new apartment. My lease is up in two months and I'm worried about whether landlords will accept my UI payments as valid income. I'm getting about $580 per week which should be enough for rent, but I don't know if property managers consider unemployment benefits legitimate income or if they'll automatically reject my application. Has anyone had success renting while on Washington ESD benefits? What documentation did you need to provide?

Most apartments will accept unemployment as income, but you'll need proper documentation. You can get an official benefit verification letter from your Washington ESD account online through SecureAccess Washington. This shows your weekly benefit amount and duration. Some landlords might want 2-3 months of benefit payment history too.

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That's really helpful! I didn't know I could get an official letter. Is that different from just printing out my payment history?

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Yes, the verification letter is more official looking and includes Washington ESD letterhead. Much better than just screenshots of payments.

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I had to deal with this last year when my claim was stuck in adjudication for weeks. Couldn't reach anyone at Washington ESD to get status updates or documentation. Finally used Claimyr (claimyr.com) to actually get through to an agent - they have this system that calls you back when an agent is available. There's a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Made getting my verification letter so much easier.

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Never heard of Claimyr before. Does it actually work for getting through to Washington ESD?

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Yeah it worked great for me. Way better than sitting on hold for hours or getting disconnected.

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I'm skeptical of these third party services but honestly calling Washington ESD directly is impossible most days.

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Some landlords are pickier about unemployment than others. I found that smaller property management companies were more flexible than big corporate ones. Also helps if you can show you're actively job searching - Washington ESD requires work search activities anyway so you probably already have that documentation.

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Good point about the job search records. I've been keeping track through WorkSource WA like required.

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wait do you have to use worksource for job searches? I've just been applying on indeed

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@profile3 You need to log your job search activities somewhere that Washington ESD can verify. WorkSource is the easiest way to do it automatically.

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THE WHOLE SYSTEM IS RIGGED AGAINST UNEMPLOYED PEOPLE!!! Landlords discriminate and Washington ESD makes it impossible to get proper documentation when you need it. I spent 3 WEEKS trying to get a simple verification letter because their phone system is garbage.

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I understand the frustration, but you can actually get the verification letter online without calling. It's in your Washington ESD account dashboard.

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Yeah well MY account was locked for some reason and I couldn't get in without calling them.

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What if your unemployment is about to run out? I only have 6 weeks left on my claim and not sure if landlords will care about that.

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That could be an issue. You might want to wait until you have a job lined up or see if you qualify for extended benefits.

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How do I know if I qualify for extended benefits? My regular UI claim is almost done.

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You'd need to contact Washington ESD about extended benefits. That's another situation where Claimyr might help you actually get through to ask questions.

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i got approved for an apartment while on unemployment last month. just needed to show 3 months of payment history and the verification letter. took like 2 weeks to get approved tho

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That's encouraging! Did you have to pay a higher deposit or anything?

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nah same deposit as anyone else. think they were just slow processing applications

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Just be honest upfront about your situation. I tried to hide that I was on unemployment and it backfired when they did the background check. Better to be transparent and find a landlord who's okay with it than get rejected later.

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Good advice. Did you mention it in your initial application or wait until they asked?

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I mentioned it in the application under employment status. Most applications have an 'other' option where you can explain.

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This is smart. Transparency builds trust with property managers.

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My cousin had trouble with this because her adjudication took forever and she couldn't prove steady income. Washington ESD kept saying they were reviewing her separation from her last job but never gave updates. Frustrating when you need documentation for housing.

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That's exactly what I'm worried about. What if something happens with my claim while I'm apartment hunting?

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That's when having a service like Claimyr becomes really valuable. You can actually get status updates instead of wondering what's happening with your claim.

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Some landlords will accept unemployment but want a co-signer too. Depends on their policies and how much the rent is compared to your benefit amount.

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I don't really have anyone who could co-sign. Hopefully I can find someone who'll accept just the unemployment income.

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Try looking at places where the rent is no more than 30% of your weekly UI payment times 4. That shows you're not overextending.

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Pro tip: if you're actively interviewing for jobs, mention that in your application. Shows you're working toward stable employment again. Some landlords appreciate seeing that effort.

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That's a great idea! I do have a few interviews lined up so I'll definitely mention that.

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Yes, anything that shows forward progress helps your case with property managers.

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Make sure your Washington ESD account is up to date before you start apartment hunting. I had an old address on file and it caused issues with my verification letter matching my application.

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Good catch! I should double check all my account info is current.

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Yeah, small details like that can delay your application approval.

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Question - do you have to report rental assistance or housing vouchers to Washington ESD? Don't want to mess up my weekly claims while apartment hunting.

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Rental assistance usually doesn't need to be reported as income for UI purposes, but double check with Washington ESD to be sure.

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Thanks, I'll ask when I file my next weekly claim.

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Had this exact situation 6 months ago. The key is having all your paperwork ready - verification letter, payment history, job search log, and any interview confirmations. Makes you look organized and responsible to landlords.

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That's really helpful! I'll start gathering all that documentation now.

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Yeah, being prepared made my application process much smoother. Landlords like seeing you're on top of things.

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What about credit score? Mine took a hit when I lost my job. Will that hurt my chances even if I have unemployment income?

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Credit definitely matters, but steady income (even unemployment) can offset a lower score. Some landlords are more flexible if you can explain the circumstances.

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That makes sense. At least unemployment shows I have regular income coming in.

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Check if your area has any tenant protection laws about income discrimination. Some places can't reject you just for being on unemployment benefits.

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I didn't know that was a thing! I'll look into what protections Washington state has.

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Yeah, worth researching your local laws. Could give you more options.

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My advice is to apply to multiple places at once. Don't put all your eggs in one basket because some landlords just won't accept unemployment no matter what documentation you have.

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Good strategy. I'll cast a wide net and see what happens.

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Exactly. Better to have options than get stuck with one rejection.

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Does anyone know if the verification letter shows how much you have left on your claim? I'm worried landlords will see I only have a few months left.

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The standard verification letter shows your weekly amount and benefit year dates. It doesn't typically show remaining balance, but landlords could calculate it.

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Hmm, that's what I was afraid of. Might need to find a job quickly.

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I used Claimyr last month when I needed to update my information quickly for an apartment application. Super easy process and they called me back within like 20 minutes. Way better than the usual Washington ESD phone nightmare.

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That's the second mention of Claimyr. Sounds like it really works for getting through to Washington ESD.

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Yeah it's been a lifesaver. Especially when you need quick responses for time-sensitive stuff like housing applications.

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Update us on how your apartment search goes! Always curious to hear real experiences with this situation.

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Will do! Thanks everyone for all the helpful advice. Feeling much more confident about the process now.

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Good luck with your search! Having all the right documentation ready will definitely help.

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