Working Credit is a national nonprofit organization launched to help workers build household financial strength by establishing and then reaping the benefits of good credit. Working Credit's employee benefit combines credit building education, one-on-one counseling, and access to financial products to help employees take control of their financial lives. For many, an improved credit score means lower monthly expenses – often with greater impact than a $1.50/hour raise. Poor credit depletes the wages of over a third of American workers. At the same time, the path to good credit is shorter than many people think. You don't have to be wealthy to build good credit; you just have to know the rules of the credit scoring system. People are generally unaware that credit is at the root of many financial challenges, and that credit building is a uniquely efficient lever to improve financial health. With good credit, workers can keep more of what they earn, move to better apartments or buy homes (often closer to work), recover quickly from financial emergencies, reduce financial stress, and even save.