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Build Credit. Build Power.

Our mission is to partner with individuals and communities to interrupt the effects of structural racism by providing credit building education, one-on-one counseling, and access to the products people need to thrive financially.

We work at the intersection of racial and economic justice to promote credit equity.

Our vision is an inclusive and equitable credit system in which everyone has the knowledge and tools they need to achieve their financial dreams. We are uniquely positioned to assist people and their communities through our three pillars:

credit counseling session

Direct Services

Good credit is a major gateway to financial health and wealth creation in the U.S. Working Credit’s strategic priority is to raise credit scores to PRIME at the population-level, by leveraging partnerships and concentrating our resources in predominantly low-income neighborhoods of color. Our one-of-a-kind credit building program includes a 45-minute workshop on how to build a strong credit profile, and 12 months of personalized, actionable counseling and coaching to help participants do so.

Learn more about our program
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Community Engagement

Since inception, we have tested and refined the service delivery channels we rely on to reach program participants, starting with efforts to serve low-wage workers through employers. In 2020, we expanded to partnerships with large-scale systems such as community colleges, small business programs, public housing providers, correctional facilities, and utility companies. By growing the number and types of partners in neighborhoods of color, we are 1) increasing the likelihood that individual residents encounter and engage in credit building, 2) contributing to the collective impact of partners on-the-ground, and 3) fostering a network effect in neighborhoods that turns participant-level change into community-level transformation.

Learn more about how we partner in communities
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Research and Advocacy

We study our data to make continuous program improvements, conduct primary and third-party research into the effects of structural racism on credit profiles of people of color, and advocate to reduce the proliferation of income-stripping predatory practices–specifically for-profit credit repair–in predominantly communities of color.

Learn about the dangers of credit repair
Client Spotlight
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A new start after collections debt—with a prime score.

See Marie's Success Story
Client Spotlight

More valuable than money

See Sister Maria's Success Story
Client Spotlight

It's a work in progress...but I'm doing it.

See Nathalee's Success Story
Client Spotlight

I wanted to love it when I walk out the door

See Eva's Success Story