How It Works

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Working Credit’s employee benefit includes:

  1. A 45-minute workshop at your workplace covering how the credit system works; how a credit score is generated; what pushes the score up (and down), and how credit affects your daily finances.
  2. One-on-one credit-building assistance from an experienced Working Credit counselor, who walks you through your credit report and score. You won’t be penalized for pulling up this version of your credit score.

    Your counselor will explain how the information on the report impacts your score and help you develop a budget based on your current income and expenses.

    Then, taking into account your specific financial goals, your counselor will create a detailed Credit Action Plan for you, with specific steps you can take to establish or improve your credit score - and tackle your financial goals.

Our counselors work with you for 18 months. During that time, they will help you improve your credit score, sharing a new credit report and score with you every six months. They will also provide individualized guidance about how to keep your score moving up, and how to use improved credit to accomplish your specific financial goals.

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