{"id":271734,"date":"2025-08-04T01:48:17","date_gmt":"2025-08-03T20:18:17","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=271734"},"modified":"2025-08-04T01:48:19","modified_gmt":"2025-08-03T20:18:19","slug":"protect-your-credit-score-during-unemployment","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/protect-your-credit-score-during-unemployment\/","title":{"rendered":"How to Protect Your Credit Score During Unemployment: A Step-by-Step Guide"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><p>Table of Contents<\/p><nav><ul><li><a href=\"#why-credit-score-protection-matters-when-youre-unemployed\">Why Credit Score Protection Matters When You\u2019re Unemployed<\/a><ul><\/ul><\/li><li><a href=\"#step-1-review-your-current-credit-standing\">Step 1: Review Your Current Credit Standing<\/a><ul><\/ul><\/li><li><a href=\"#step-2-prioritize-payments-that-affect-your-score-most\">Step 2: Prioritize Payments That Affect Your Score Most<\/a><ul><\/ul><\/li><li><a href=\"#step-3-communicate-with-lenders-early\">Step 3: Communicate With Lenders Early<\/a><ul><\/ul><\/li><li><a href=\"#step-4-use-emergency-tools-to-stay-current\">Step 4: Use Emergency Tools to Stay Current<\/a><ul><\/ul><\/li><li><a href=\"#step-5-keep-credit-utilization-low\">Step 5: Keep Credit Utilization Low<\/a><ul><\/ul><\/li><li><a href=\"#step-6-avoid-new-debt-if-possible\">Step 6: Avoid New Debt If Possible<\/a><ul><\/ul><\/li><li><a href=\"#step-7-monitor-your-credit-score-regularly\">Step 7: Monitor Your Credit Score Regularly<\/a><ul><\/ul><\/li><li><a href=\"#beems-role-in-credit-score-protection\">Beem\u2019s Role in Credit Score Protection<\/a><ul><\/ul><\/li><li><a href=\"#faq-question-1754251198740\">Does being unemployed lower your credit score?<\/a><\/li><li><a href=\"#faq-question-1754251206528\">Can I still pay EMIs with Beem if I have no income?<\/a><\/li><li><a href=\"#faq-question-1754251221176\">Does Beem report to credit bureaus?<\/a><\/li><li><a href=\"#faq-question-1754251229240\">What bills affect my credit score the most?<\/a><\/li><li><a href=\"#faq-question-1754251237960\">How long can Beem support me while unemployed?<\/a><\/li><li><a href=\"#does-being-unemployed-lower-your-credit-score\">Final Thoughts: Don\u2019t Let Job Loss Derail Your Credit Future<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Losing your job is tough emotionally and financially. When the paychecks stop coming in, it\u2019s easy to feel like you\u2019re not in control anymore. But here\u2019s the thing: keeping your credit score in good shape during unemployment can help you. Whether it\u2019s applying for a loan or getting approved for housing, your credit matters. Moreover, many employers may check your score when you apply for jobs. Let\u2019s explore how you can protect your credit score during unemployment.<\/p>\n\n\n\n<p>Here is the good news. You don\u2019t need a steady income to keep your credit score from slipping. With a few smart steps, you can stay on top of your credit even during a rough stretch.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-credit-score-protection-matters-when-youre-unemployed\">Why Credit Score Protection Matters When You\u2019re Unemployed<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"your-credit-score-impacts-future-loans-housing-and-even-jobs\">Your credit score impacts future loans, housing, and even jobs<\/h3>\n\n\n\n<p>A good credit score opens doors. It can help you get approved for a new apartment. You can qualify for lower interest rates on loans or credit cards, or even influence whether you land a new job, particularly if the role involves money management or a background check. Damaged credit can create obstacles when you\u2019re trying to get back on your feet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"unemployment-increases-the-risk-of-missed-or-late-payments\">Unemployment increases the risk of missed or late payments<\/h3>\n\n\n\n<p>No steady income results in your usual bills quickly piling up. These include expenses like rent, utilities, or credit card payments. If you miss payments or pay late, your credit score may suffer. Sometimes, even one late payment can remain on your credit report for years. That\u2019s why staying ahead of your financial obligations is critical during this time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"beem-can-help-prevent-damage-with-real-time-cash-support\">Beem can help prevent damage with real-time cash support<\/h3>\n\n\n\n<p>That\u2019s where <a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/\" rel=\"noreferrer noopener\">Beem<\/a> comes in. It offers real-time financial help. Its features include instant cash advances and budget tools. This can help you stay current on your bills between jobs. With features designed to support you through financial ups and downs, Beem helps you avoid missed payments. This can help you avoid getting hurt to your credit in the long run.<\/p>\n\n\n\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/trybeem.com\/blog\/beem-pass-for-recovery-financial-support\/\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/blog\/beem-pass-for-recovery-financial-support\/\">Beem Pass for Recovery \u2013 Financial Support for Life\u2019s Toughest Moments<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-1-review-your-current-credit-standing\">Step 1: Review Your Current Credit Standing<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"check-your-credit-report-for-accuracy\">Check your credit report for accuracy<\/h3>\n\n\n\n<p>You can start by getting a free copy of your credit report from all three major bureaus \u2013 Experian, TransUnion, and Equifax. You can request these for free once a year at AnnualCreditReport.com. You must look out for any errors or mismatched data. This includes accounts you don\u2019t recognize or incorrect balances. Fixing these can immediately improve your score. It can give you a clearer picture of your actual standing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"note-all-active-accounts-em-is-and-due-dates\">Note all active accounts, EMIs, and due dates<\/h3>\n\n\n\n<p>You can make a list of every active credit account. This includes credit cards and loans. It also includes your EMIs (Equated Monthly Installments) and buy-now-pay-later plans. You must note the minimum payments and due dates. This helps you prioritize which bills to pay first. This way, you can avoid late fees that can hurt your score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"identify-high-risk-areas-for-potential-late-payments\">Identify high-risk areas for potential late payments<\/h3>\n\n\n\n<p>Once you have everything listed out, you can highlight any accounts where you\u2019re at risk of missing a payment. This is especially true for those with high interest rates or late fees. Knowing where you\u2019re most vulnerable helps you take action early. Whether that\u2019s setting up reminders, contacting lenders, or using a service like Beem for temporary cash support.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-2-prioritize-payments-that-affect-your-score-most\">Step 2: Prioritize Payments That Affect Your Score Most<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"credit-cards-personal-loans-auto-loans-student-loans\">Credit cards, personal loans, auto loans, student loans<\/h3>\n\n\n\n<p>These types of accounts are reported to credit bureaus regularly. This is so missed or late payments can seriously hurt your credit score. If you have to make tough choices, you can prioritize payments on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit cards<\/li>\n\n\n\n<li>Personal loans<\/li>\n\n\n\n<li>Car loans<\/li>\n\n\n\n<li>Student loans<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Falling behind on these can lead to long-term credit damage, which includes higher future interest rates and even collections.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"understand-the-most-significant-factors-payment-history-and-credit-utilization\">Understand the most significant factors: payment history and credit utilization<\/h3>\n\n\n\n<p>Two significant factors make up most of your credit score:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Payment history: <\/strong>This reflects whether you\u2019ve paid on time. It makes up 35% of your score.<\/li>\n\n\n\n<li><strong>Credit utilization: <\/strong>You must use only a certain percentage of the available credit you\u2019re using (30% at max)<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Even making the minimum payment on time can help maintain your payment history. You must keep balances low. This can help you maintain a healthy utilization ratio, especially on credit cards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"beem-helps-you-stay-on-top-of-essential-bills-to-protect-history\">Beem helps you stay on top of essential bills to protect history<\/h3>\n\n\n\n<p>Beem offers tools like real-time cash advances and budgeting support to help you avoid missing critical payments. It can also help cover short-term gaps for loan or credit card payments. Beem keeps your credit history intact, protecting your score during rough patches.<\/p>\n\n\n\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/trybeem.com\/blog\/how-beem-health-helps-you-in-a-tough-time\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/blog\/how-beem-health-helps-you-in-a-tough-time\/\" rel=\"noreferrer noopener\">How Beem Health Helps You in a Tough Time<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-3-communicate-with-lenders-early\">Step 3: Communicate With Lenders Early<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"request-hardship-programs-deferments-or-forbearance\">Request hardship programs, deferments, or forbearance<\/h3>\n\n\n\n<p>Many banks, credit card issuers, and loan providers offer hardship assistance programs designed for people facing unemployment or financial stress. These might include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reduced payments<\/li>\n\n\n\n<li>Temporarily paused payments (forbearance or deferment)<\/li>\n\n\n\n<li>Waived fees or interest<\/li>\n<\/ul>\n\n\n\n<p>Let them know your situation honestly. The sooner you ask, the more options you\u2019ll likely have.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"document-any-new-payment-agreements\">Document any new payment agreements<\/h3>\n\n\n\n<p>If your lender agrees to adjust your terms, you can get everything in writing. It includes the start and end dates, payment amounts, and any changes to interest or reporting. This documentation protects you in case there\u2019s a dispute later. It also ensures the lender follows through on their promises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"many-lenders-offer-temporary-relief-if-youre-proactive\">Many lenders offer temporary relief if you\u2019re proactive<\/h3>\n\n\n\n<p>The key is being proactive, not reactive. Lenders are more likely to help when you reach out before you miss a payment. Waiting too long can limit your options and hurt your credit. A simple phone call or email can go a long way in protecting your financial future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-4-use-emergency-tools-to-stay-current\">Step 4: Use Emergency Tools to Stay Current<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tap-into-emergency-funds-or-hys-as-if-available\">Tap into emergency funds or HYSAs if available<\/h3>\n\n\n\n<p>If you\u2019ve built up an emergency fund or have money in a high-yield savings account (HYSA), now is the time to use it. These funds are meant for precisely this kind of situation. It covers essential expenses like rent, utilities, and minimum debt payments. It is beneficial when income is disrupted. Utilizing these savings now can prevent more significant financial setbacks later.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"use-beems-everdraft\u2122-to-avoid-missed-payments\">Use Beem\u2019s Everdraft\u2122 to avoid missed payments<\/h3>\n\n\n\n<p>If your emergency savings are low or you need quick access to cash, Beem\u2019s <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Everdraft\u2122<\/a> can help. It provides real-time cash support to help you cover bills. This will help you stay current on payments. It does so without resorting to high-interest credit or payday loans. It\u2019s a flexible way to protect your credit while you get back on your feet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"avoid-relying-on-credit-cards-for-survival-spending\">Avoid relying on credit cards for survival spending<\/h3>\n\n\n\n<p>It might be tempting to swipe your credit card for everyday expenses. But this can backfire quickly. High balances raise your credit utilization ratio, which can drag down your score. Plus, interest builds fast. This turns a short-term fix into long-term debt. Use credit cards sparingly, and only if you have a plan to pay off the balance soon.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-5-keep-credit-utilization-low\">Step 5: Keep Credit Utilization Low<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aim-to-use-less-than-30-of-your-credit-limits\">Aim to use less than 30% of your credit limits<\/h3>\n\n\n\n<p>Keep your credit card balances below 30% of your total credit limit. For example, if your card limit is $1,000. You should avoid carrying more than $300 in balance. Staying below this threshold helps maintain a healthy credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dont-max-out-cards-unless-necessary\">Don\u2019t max out cards unless necessary<\/h3>\n\n\n\n<p>Maxing out your credit cards signals risk to lenders. It can cause your score to drop quickly. Avoid running up balances to the limit unless you have no other choice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"beem-helps-by-giving-you-cash-so-you-dont-add-to-card-debt\">Beem helps by giving you cash so you don\u2019t add to card debt<\/h3>\n\n\n\n<p>If you\u2019re tempted to rely on credit cards for everyday expenses, <a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/\" rel=\"noreferrer noopener\">Beem<\/a> can help by providing cash advances. This way, you can cover bills and essentials without piling on credit card debt. This could hurt your credit utilization and your score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-6-avoid-new-debt-if-possible\">Step 6: Avoid New Debt If Possible<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dont-open-new-credit-accounts-unless-essential\">Don\u2019t open new credit accounts unless essential<\/h3>\n\n\n\n<p>Every new credit application triggers a hard inquiry. It can temporarily lower your score. Plus, new accounts can be tempting to overspend on when cash is tight. Only apply for new credit if it\u2019s essential. It can be like a secured card or a loan with clear benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"focus-on-maintaining-current-obligations\">Focus on maintaining current obligations<\/h3>\n\n\n\n<p>You must concentrate on managing and paying down what you already owe. It is essential not to add new debt. Keeping your current accounts in good standing helps preserve your credit health. It also reduces stress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"beem-offers-instant-cash-without-increasing-your-credit-exposure\">Beem offers instant cash without increasing your credit exposure<\/h3>\n\n\n\n<p>If you need extra cash, Beem can help with fast advances. This doesn\u2019t require new credit lines or loans. This way, you get support without incurring additional debt. You can also avoid jeopardizing your credit score.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/08\/Protect-Your-Credit-Score-During-Unemployment-1-1024x538.webp\" alt=\"Protect Your Credit Score During Unemployment\" class=\"wp-image-271743\" srcset=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/08\/Protect-Your-Credit-Score-During-Unemployment-1-1024x538.webp 1024w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/08\/Protect-Your-Credit-Score-During-Unemployment-1-300x158.webp 300w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/08\/Protect-Your-Credit-Score-During-Unemployment-1-768x403.webp 768w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/08\/Protect-Your-Credit-Score-During-Unemployment-1.webp 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"step-7-monitor-your-credit-score-regularly\">Step 7: Monitor Your Credit Score Regularly<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"use-free-tools-or-credit-monitoring-apps\">Use free tools or credit monitoring apps<\/h3>\n\n\n\n<p>Numerous free resources and apps allow you to check your credit score. You can also report these at any time. Taking a quick look regularly helps you stay informed at no cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"spot-errors-or-score-drops-early\">Spot errors or score drops early<\/h3>\n\n\n\n<p>Sometimes mistakes like incorrect account info or fraudulent activity can hurt your score. By monitoring regularly, you can catch and dispute errors quickly. This is before they do serious damage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"beem-also-offers-credit-insights-to-help-you-stay-on-track\">Beem also offers credit insights to help you stay on track<\/h3>\n\n\n\n<p>Beem doesn\u2019t just provide cash support. It also offers credit insights and updates to help you understand your score. It tells how your financial moves affect it. Staying informed makes it easier to protect your credit during tough times.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"beems-role-in-credit-score-protection\">Beem\u2019s Role in Credit Score Protection<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"instant-cash-support-when-income-stops\">Instant cash support when income stops<\/h3>\n\n\n\n<p>When your paycheck stops, bills don\u2019t. Beem provides quick access to cash when you need it most. It helps you cover essential expenses without having to wait. This immediate support can keep you from missing payments that might damage your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"no-hard-credit-checks-or-traditional-loan-underwriting\">No hard credit checks or traditional loan underwriting<\/h3>\n\n\n\n<p>Unlike traditional lenders, Beem doesn\u2019t require hard credit checks or lengthy approval processes. This means you can get the help you need without your credit score taking a hit or jumping through hoops.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"helps-you-stay-current-on-payments-preserving-your-score\">Helps you stay current on payments \u2014 preserving your score<\/h3>\n\n\n\n<p>By helping you pay bills on time, Beem helps protect your payment history, the most important factor in your credit score. Staying current keeps your credit strong, even through periods of unemployment.<\/p>\n\n\n\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/trybeem.com\/blog\/credit-monitoring-emergency-expenses\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/blog\/credit-monitoring-emergency-expenses\/\" rel=\"noreferrer noopener\">How Beem\u2019s Credit Monitoring Helps You Manage Emergency Expenses<\/a>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs-on-how-to-protect-your-credit-score-during-unemployment\">FAQs on How to Protect Your Credit Score During Unemployment<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1754251198740\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Does being unemployed lower your credit score?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Unemployment itself doesn\u2019t directly lower your credit score. However, if you miss payments or carry high balances, it can hurt your score. It is because you don\u2019t have income. Staying on top of bills and payments is key to protecting your credit while unemployed.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1754251206528\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I still pay EMIs with Beem if I have no income?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes! Beem offers real-time cash advances and budgeting tools that can help you cover essential payments like EMIs. It is even if you\u2019re currently without income. It\u2019s designed to boost you financially when you need it most.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1754251221176\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Does Beem report to credit bureaus?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Beem itself does not report your cash advances or payments to credit bureaus. So using Beem won\u2019t directly affect your credit score. Instead, it helps you stay current on your bills, which protects your credit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1754251229240\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What bills affect my credit score the most?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Payments on credit cards, personal loans, auto loans, and student loans have the biggest impact on your credit score. Rent, utilities, and phone bills usually don\u2019t. It is unless they go to collections.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1754251237960\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How long can Beem support me while unemployed?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Beem is designed to be a flexible, short-term solution. It helps you stay current on bills during tough times. The length of support depends on your situation. But it\u2019s meant to help bridge gaps. This will not replace steady income long term.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"does-being-unemployed-lower-your-credit-score\">Final Thoughts: Don\u2019t Let Job Loss Derail Your Credit Future<\/h2>\n\n\n\n<p>Losing your job is never easy. It comes with the worry about your credit on top of everything else. It can feel overwhelming. However, the truth is that a few smart moves now can make a huge difference later. You can navigate this process without long-term damage to your credit. It is crucial to <a href=\"https:\/\/trybeem.com\/credit-score-monitoring\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/credit-score-monitoring\" rel=\"noreferrer noopener\">protect your credit score<\/a> during unemployment. This can be achieved by staying organized and communicating with lenders. You need to use the right tools.<\/p>\n\n\n\n<p>Your financial health doesn\u2019t have to spiral even if things feel uncertain right now. You\u2019ve got options and support. That\u2019s where <a href=\"https:\/\/trybeem.com\/\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a> can help. If you need extra cash to cover a bill or help to stay on track, Beem provides it via <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Everdraft\u2122<\/a>. It is flexible, real-time support when you need it most. It\u2019s like a safety net for your credit score.<\/p>\n\n\n\n<p>Take a breath. You\u2019ve got this. And if you need help, download the Beem app&nbsp;<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a> to get credit score protection and instant cash access during tough times.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Losing your job is tough emotionally and financially. When the paychecks stop coming in, it\u2019s easy to feel like you\u2019re not in control anymore. But here\u2019s the thing: keeping your credit score in good shape during unemployment can help you. Whether it\u2019s applying for a loan or getting approved for housing, your credit matters. Moreover, [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":271740,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2313],"tags":[2138,701,107,15977,15979,15978,260],"edited-by":[],"class_list":["post-271734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earn","tag-credit-history","tag-credit-score","tag-financial-planning","tag-how-to-protect-your-credit-score-during-unemployment","tag-protect-your-credit-score","tag-protect-your-credit-score-during-unemployment","tag-unemployment"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=271734"}],"version-history":[{"count":13,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271734\/revisions"}],"predecessor-version":[{"id":271755,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271734\/revisions\/271755"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/271740"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=271734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=271734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=271734"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=271734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}