Our Credit Wellness Program

Our core product is a 24-month financial wellness program offered as an employee benefit. Employees learn the ins and outs of the credit system and get one-on-one credit building assistance.

Building Credit with CW-3

Build Credit and Save with CW-3

Workers use our CW-3 financial product to establish or strengthen a credit score, and end up with a savings habit.

Why Credit Matters

The Power of the Credit Score

Employees with no credit or poor credit pay more for many necessities, even if they are good money managers. It's what we call "expense inequality."

If You're an Employer...

If You're an Employer...

Work with us. We have a flexible, scalable employee benefit for employers that want to help their workers establish and sustain strong credit scores—and reduce financial stress.


From Our Blog



- June 26, 2017

New RCT study of @WorkingCredit shows positive results as CBA kicks off 4th Annual Credit Building Symposium. https://t.co/BRJZVAYQo5
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- April 18, 2017

.@WorkingCredit's founder Ricki Lowitz on building credit as key to home ownership https://t.co/9t9vuIbSQE
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- March 28, 2017

Lin-Manuel Miranda on the importance of good credit. @WorkingCredit #creditbuilding https://t.co/WguZlSYXkW
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- February 16, 2017

Check out our interview with Jonathan Wishnick from Senior Helpers on why @WorkingCredit makes good business sense. https://t.co/O201AaWTpg
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