 TITLE: Is Unemployment a Public Record? CONTENT: Will Unemployment Show Up on My Credit Report?\n----------------------------------------------\nA record of receiving unemployment benefits will not appear in your credit reports. Though you may see a list of past employers, your credit report is mainly filled with information from financial institutions, like banks, credit unions and debt collection agencies. Bankruptcy filings are the only public record included in your credit report, and only because it may be relevant to a lender. Income, marital status and bank balances are not included in your reports at all.\nIf you've combed through your credit reports and seen past and current employers listed, it's because you included that information on a past application for credit. Lenders often use your income and employer to determine whether to grant you a loan or credit, and when they send your application details to credit reporting agencies, your employment information is sometimes included.\nIt's important to know that the \"employers\" entry on your credit reports does not represent your complete employment history and will only include occasional instances where employment information was received. This information is not factored into any credit scoring models and will not have an impact on your credit scores. END