Does unemployment show up on a credit check Washington ESD benefits

That's a relief! So they won't see that I'm collecting UI benefits at all?

Correct, they won't see your unemployment status from the credit report itself. However, they may ask about your income during the application process.

Good to know, thanks! Did you mention the unemployment when they asked about income?

yeah i was honest about it, some lenders are ok with unemployment income but others aren't

This is exactly right. I work in lending and we see credit reports all day. Government benefits never appear on them.

Thankfully I've kept up with all my payments so far. The unemployment has been enough to cover my basics.

How much does something like that cost? Seems like we shouldn't have to pay to reach our own unemployment office.

I was frustrated about that too at first, but honestly it was worth it to finally get my claim moving. The alternative was waiting weeks more without any income.

Good to know that exists. I haven't had issues with my weekly claims yet but it's nice to know there's a backup option.

Oh no, really? I was hoping the unemployment income would count since it's regular payments.

It depends on the lender. Some will count it, others won't. You'll need to ask when you apply.

Credit unions are often more flexible about this than big banks in my experience.

They ask for documentation - usually pay stubs, tax returns, or bank statements. For unemployment, you'd show your Washington ESD benefit statements.

oh ok that makes sense, thanks

That's encouraging! What kind of credit score did you have at the time?

Around 720. Having good credit history definitely helped even though my income was lower.

Makes sense when you explain it that way. I was worried for nothing.

Exactly right. People confuse background checks with credit checks sometimes.

That's exactly the kind of situation where Claimyr really helps. When you're stuck in adjudication limbo and can't get through to anyone.

might have to look into that, ive called hundreds of times

Adjudication can take forever unfortunately. Have you checked if there are any outstanding issues in your account that need documentation?

Good point about bank statements. I should probably open a separate account for the unemployment deposits.

That's not necessary unless you want to. Just be prepared to explain the deposits if they ask about them.

Thanks for the professional confirmation! That really puts my mind at ease.

Do you guys count unemployment income when calculating debt-to-income ratios?

We do on a case-by-case basis, especially if the person is actively job searching and has good credit history.

Yeah, one less thing to worry about! The weekly claims are pretty straightforward once you get the hang of it.

thanks, still learning all the job search requirements and everything

Definitely! I've been careful to prioritize my credit card and loan payments even though money is tight.

Smart approach. It's better to cut other expenses than miss debt payments during unemployment.

Good example! I'm feeling much more confident about my loan application now.

yeah she just had to show proof of income with her washington esd statements

I'm planning to be completely honest about my employment status, so that shouldn't be an issue.

Perfect. Honesty is always the best policy with lenders, and unemployment income can still qualify you for many types of credit.

What kind of issues were flagging your weekly claims? I'm worried about that happening to me.

first time was a job search requirement question, second time they needed additional verification of my work history. both times the agents were able to clear it up quickly once i got through

Thanks everyone! This thread has been super helpful. I feel much better about applying for the loan now.

Good luck with the application! Just be honest about your current income situation and you should be fine.