Build Credit.
Build Wealth.

Working Credit is a not-for-profit organization that helps people in any financial situation overcome the obstacles to good credit and reap the benefits that come with it.

What We Do Start Your Journey

The Issue

Good credit is the gateway to socio-economic opportunities that enable people and communities to thrive. Unfortunately, 28 million Americans qualify as “credit invisible,” 57 million have subprime credit scores, and 21 million are “underscored,” meaning their mainstream credit files lack enough information to generate a conventional score. Because of structural racism, residents of majority Black and Hispanic communities are 2 times more likely than their white counterparts to have no credit scores or to have subprime credit scores. As a result, white households hold 8 times more total wealth than Black households and 5 times more wealth than Hispanic households.

Our Solution

Through personalized programming that combines credit building workshops and one-on-one counseling, Working Credit participants establish and sustain prime credit scores in order to achieve a wide array of goals, including saving money, renting housing, starting small businesses, and purchasing homes. Our data demonstrates that the program not only helps people build credit profiles, it can interrupt the effects of structural racism: dramatically improving credit scores in Black and Brown communities and helping to narrow the racial wealth gap.