Make Credit Work for You

Our core product is a 18-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.


In The News



- September 21, 2018

Thanks @SingletaryM for helping shed light on the myths & facts of credit. Employers can play a role in helping the…
h J R

- September 20, 2018

Installment loans. Credit cards. @WorkingCredit’s Ricki Lowitz featured on CNBC talking about what it takes to buil…
h J R

- September 18, 2018

Join us LIVE today from 2:30pm-4:00pmEST as our co-founder, Ricki Lowitz, speaks at the @urbaninstitute panel discu…
h J R

- August 24, 2018

Did you see the recent @JJKeller article featuring Working Credit’s three tips for employees boosting their credit…
h J R
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