Credit Building Counseling and Coaching

Unlimited access to a credit building expert for 12 months.

Partner with your own expert credit building counselor to learn the rules of credit, work together on a roadmap that leads to your financial goals, and make lasting changes.

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One-on-one support to make lasting changes.

Where are you today and where do you want to go? Your dedicated counselor will start with a conversation about your goals, the rules of credit, a review of your credit report and current financial situation, and the changes you want to make. Then, you’ll work together to create a Credit Action Plan—a roadmap to your financial goals, whether it’s reducing debt, establishing or rebuilding credit, buying a car or home, preparing for an emergency, or something else.

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12 months of ongoing credit building support, just for you.

After the first session, you can meet with your counselor as often as you want—weekly, monthly, every few months—it’s up to you. You always work with the same counselor to help you stay accountable and stick to your goals.

Throughout the year, they’ll check in to share updates and resources about the credit system. Want to continue beyond 12 months? There’s always an option to renew, but our goal is that you’ve mastered the credit system by then.

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Additional expert support as you need it.

In addition to being credit building experts, our counselors can counsel and coach you on a range of other needs, including but not limited to:

  • Managing credit card, medical, student loan, collections, and other debt
  • Refinancing high interest vehicle loans
  • Cancelling contracts, when possible, for predatory credit/debt services
  • Filing for bankruptcy
  • Handling judgments, garnishments, and tax liens
  • Navigating credit and divorce
  • Renting or purchasing a home (knowing your rights and options)
  • Applying for tax credits (e.g., EITC) and other benefits
credit counseling session

How can you sign up for one-on-one counseling and coaching? 

If you learned about Working Credit from your employer, your school, or a nonprofit you are working with, you likely have access to our counseling and coaching service already. Contact your employer, school, or organization that you heard about us from, or email to find out how to enroll. Email us at if you are not affiliated with any of our current partners, but are interested in enrolling in our counseling and coaching program.