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 6, 2019

“The fact that race is not factored into the credit score is perhaps the greatest opportunity we have to help peopl…
h J R

- June 21, 2019

The results are in! @WorkingCredit employee benefit participants show measurable credit score improvement – stronge…
h J R

- May 17, 2019

.@rushhospitalmed VP and Treasurer Patti O'Neil and @WorkingCredit's Amanda Carney interviewed by Brandis Friedman…
h J R

- May 16, 2019

Tune in to @wttw's Chicago Tonight this evening (5/16) at 7:00 pm (CT). @WorkingCredit's Amanda Carney and…
h J R

- April 8, 2019

Once encumbered by thousands of dollars in ambulance debt, a woman raises her credit score to qualify for a low-int…
h J R
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