CreditBack, based in Orem, Utah, has developed the Learning Points Rewards program to help develop a strong community partnership between retail merchants and the schools in their communities. The ability to redirect spending towards education is a proven incentive for influencing shopping decisions, providing the participating merchants with a powerful competitive advantage during uncertain economic times. CreditBack, Inc. was founded in 1999 with the purpose of providing merchants with sophisticated customer loyalty programs. Their proprietary technology has been used by 1,000’s of retailers and has facilitated 1.6 million transactions representing almost 100 million dollars in sales.