About Us

We help people make lasting changes to build their credit.

Working Credit NFP 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.

Addressing the root of so many financial problems.

When we set out to help people achieve their financial goals, we found many people had one thing in common: a low credit score or no credit score at all. What we noticed was a general lack of clear information around building and maintaining credit, and what credit can do for someone. Some people disregarded it, some weren’t sure how it works, and others were combing the internet to learn how to navigate it.

We wanted to make it easy for people to learn how the credit system works and show people how credit impacts your living situation, your purchasing power, your ability to weather financial shocks. We created Working Credit to give people the knowledge, tools, and confidence they need to build and sustain a strong credit score and achieve their goals.

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Working Credit is a lasting solution.

The world of credit can seem mysterious, but it’s not. In fact, there are clear cut rules to building and maintaining a good credit score—and it’s not based on your income, the amount of money you have, your background, or where you live. It’s about the financial products you use and how you manage them. Your score comes from one of three credit bureaus, and we explain who is sending information to them (and who isn’t), what are they sending, and how often are they sending it. You don’t have to navigate credit alone.

See why we’re different
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The true power of credit.

Working Credit was built on the idea that improved credit can change your financial situation. Our leadership team has nearly 60 combined years of experience in developing financial wellness and community development programs. They came together and pooled their expertise to give people the lifelong tools and confidence they need to take control of their credit and achieve their goals.

Meet the team
Client Spotlight
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A new start after collections debt—with a prime score.

See Marie's Success Story
Client Spotlight
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Rebuilding a prime score after falling $10,000 in debt.

See Ellen's Success Story
Client Spotlight
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From the brink of eviction to a brand new car and outlook.

See Wendy's Success Story
Client Spotlight
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From no credit to a 686 prime score and 0.6% rate car loan.

See Tina's Success Story