Working Credit employee benefit participants show measurable credit score improvement and reduced debt collections, over 18 and 24 months – strongest among Black, Hispanic/Latinx, and lowest income workers. We are grateful to Urban Institute for their thoughtful research and interest in our work. Awarding our co-founder and CEO, Ricki Granetz Lowitz, Urban’s Janice Nitolli Practitioner Fellowship (funded by the Rockefeller Foundation) made this all possible.