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:
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
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
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
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
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