We help people make lasting changes to build their credit.
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.
Addressing the root of so many financial problems.
When we set out to help people achieve their financial goals, we found many people, particularly those of color, had one thing in common: a low credit score or no credit score at all. Good credit is the gateway to many opportunities that move people along the pathway to greater financial resilience and wealth creation. Without a good score, American consumers often see their income depleted and their expenses increased by disproportionately high rates, fees and premiums for everyday financial products and services (like car loans, cell phones, and car insurance). These are dollars that could otherwise be used to pay bills, save, and build assets. For many people and communities of color, however, longstanding discrimination in the credit system has been a structural force for exclusion and/or extraction.
Today, Working Credit’s mission is to partner with individuals and communities to interrupt structural racism by providing credit building education, counseling, and access to the products needed to thrive financially.
We make it easy for people to learn how the credit system works, and help them leverage the knowledge, tools, and confidence to build and sustain a strong credit score and achieve their goals.
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.
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.