Our Approach

Making credit building work for partners and participants.

As we have expanded our capacity to reach people in different contexts, our relational model is evidence-based, nimble, and scalable. We have developed a robust backend platform that allows us to engage with partners and participants at multiple levels.

We build more than credit.

While we explore partnerships with a variety of entities, below are some examples of benefits we see when working with partners in strategic areas of interest:

woman at her work desk talking on her cell phone

Benefits of building credit in the employer context.

  • Increased participation in 401(k)/403(b) plans and fewer loans and hardship withdrawals
  • Fewer wage garnishments
  • More focused employees
  • More employees who can withstand a financial emergency
a couple moving boxes

Benefits of building credit in the housing context.

For Renters:

  • More households able to secure rental housing of their choice
  • Increased number of on-time rental payments
  • Decreases in eviction rates

For Homeowners:

  • Increased number of affordable mortgages secured
  • More homeowners able to sustain the costs of homeownership
  • Fewer foreclosures
man and woman working on a laptop

Benefits of building credit in the small business development context.

  • Increased access to affordable capital to start or grow a small business
  • Improved ability to secure necessary supplies and manage vendors
  • Ability to withstand cash flow fluctuations
college student holding binder and holders

Benefits of building credit in the post-secondary context.

  • Increases in the number of students continuing their education from Associate’s to Bachelor’s degrees and Bachelor’s to Master’s degrees
  • Increases in certificate/degree completion rates
  • Decreases in time needed to complete certificates/degrees
man on the side of the road looking under the hood of his car

Benefits of building credit in the criminal justice context.

  • Increased ability to access reliable transportation post-release
  • Increased ability to access stable rental housing
  • Increased ability to repay court-imposed fees and fines
  • Decreases in recidivism rates
Case Study

After 18 months, 71% of employees in the program improved their credit scores.

Read the Harvard Case Study
Case Study

The number of employees with prime credit scores (660 or higher) has almost tripled.

Read the Senior Helpers Case Study