Non-profit credit counseling organization offering personalized one-on-one counseling and workshops to help people build and maintain prime credit scores.
Editorially reviewed by Harvey Brooks
Working Credit is a non-profit organization founded on the principle that improved credit access can transform financial outcomes, particularly for underserved communities disproportionately affected by structural racism. The organization addresses a critical gap in financial access: 28 million Americans are "credit invisible," 57 million have subprime credit scores, and racial disparities mean Black and Hispanic residents are twice as likely to lack credit or have subprime scores, contributing to an 8x wealth gap between white and Black households.
Working Credit delivers personalized credit building through one-on-one counseling combined with group workshops. Their approach focuses on teaching the specific rules and behaviors that drive credit scores—not income-based solutions. Clients work with counselors to establish credit profiles, understand credit mechanics, and develop sustainable financial habits. The organization helps participants achieve concrete goals including home purchases, rental qualification, small business launches, and emergency savings.
What distinguishes Working Credit is their explicit focus on narrowing racial wealth gaps and interrupting structural racism through credit access. They publish transparent impact data: in 2023, clients who started with credit scores increased them by an average of 42 points, while those without scores established prime-range scores. As a non-profit, they reinvest all revenue into their mission rather than selling products or working on commission, eliminating conflicts of interest common in the credit industry.
Working Credit appears genuinely focused on long-term financial resilience rather than quick fixes. However, the website doesn't specify wait times, geographic service areas, availability of services (online/in-person), or detailed program timelines. Their impact metrics are impressive but lack denominator context for some statistics (e.g., what percentage of counseled clients purchased homes). Like all credit counseling, results depend heavily on client engagement and adherence to recommendations.
Yes. Working Credit is a registered company headquartered in 111 W Washington St Ste 900, Chicago, IL 60602. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Working Credit is best for people who are credit invisible, have subprime scores, or are building credit for the first time and need personalized guidance—particularly those from communities disproportionately affected by credit discrimination. The main caveat is that results depend entirely on client engagement and adherence, and the website lacks specifics about accessibility (geography, online availability, wait times, program duration) needed to determine if they serve your area or timeline.
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