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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.
One more thing to consider - your benefit amount also determines how many weeks of benefits you can collect. Washington provides up to 26 weeks typically, but the total dollar amount is capped based on your base year earnings.
You'd get 26 weeks as long as your base year earnings support it. The cap is usually around 30% of your total base year wages, which for most people allows the full 26 weeks.
This has been really helpful! I feel much more prepared to file my claim now. Sounds like with my earnings I should expect somewhere around $600/week for up to 26 weeks, minus whatever I might earn from part-time work. That should definitely help me get through this period of unemployment.
Even if you get initially denied, you can appeal within 30 days. I've seen lots of people win on appeal even after being denied initially. Don't give up if the first decision doesn't go your way.
Thanks everyone for all the helpful advice! I feel much more confident about filing now. Going to start the application tonight and document everything I can remember about the termination. Really appreciate this community.
You'll do fine. Just be patient with the process and don't hesitate to reach out if you have more questions.
Hope it works out! I used Claimyr when I needed to check on my adjudication status and it was super helpful for getting through to someone at Washington ESD when I had questions.
I was making $4,800/month and my weekly benefit amount ended up being $487. So roughly 25% of my monthly income like someone else mentioned. It's not great but it helps bridge the gap while job hunting.
The Washington ESD benefit calculator on their website can give you a rough estimate if you have your quarterly earnings info. But like others said, the official determination is what matters. Good luck with your claim!
Isabella Costa
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.
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Connor O'Brien
•I might give that a try if I run into issues. Thanks for the recommendation.
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Mateo Gonzalez
•I've been trying to call ESD for days with no luck. Might have to try this Claimyr service too.
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Nia Williams
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.
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Connor O'Brien
•That's great news! Gives me a lot of hope for my own situation. Thanks for coming back to update us.
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Nia Williams
•Of course! I know how helpful it is to hear success stories when you're going through the process yourself.
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