 TITLE: Does Being Unemployed Hurt Your Credit Scores? CONTENT: Is Filing for Unemployment Bad for Your Credit?\n-----------------------------------------------\nUnemployment agencies are only allowed to share your history in a few rare scenarios, and there are no public records of who collects unemployment. Because unemployment is not included in your credit reports, it has no impact on your credit scores, and lenders cannot see whether you're on unemployment when they pull your credit.\nReceiving unemployment benefits may actually help you maintain your credit while out of work due to the fact that it provides a reliable monthly income. Having at least some form of income during that time will allow you to purchase the essentials and might be enough to also cover the minimum payments on any debt you have.\nTrying your best to pay at least the minimum payments on your debts will go a long way in making sure your credit doesn't suffer a big drop while unemployed. Any late or missed payments could have a negative impact on your score. END