Home / Who We Serve
Who we serve
People with a thin or damaged credit file — and the least room in the budget to absorb what it costs them.
The people carrying these burdens are the least likely to know their rights.
Errors, unresolved medical bills, aged collections, identity mix-ups, and thin files translate directly into denied housing, higher loan and insurance costs, lost job offers, and utility deposits. They are also the households least likely to have the time, language access, or confidence to exercise their rights under the Fair Credit Reporting Act.
Low- and moderate-income adults
Households where a single credit error can raise the cost of a car loan, an apartment, or an insurance premium.
Returning citizens
People rebuilding a financial identity after incarceration, often with years-old or inaccurate records.
Immigrants and refugees
Adults establishing a U.S. credit history from scratch, frequently in a second language.
Young adults and students
First-time borrowers learning how credit works before a thin file becomes a damaged one.
People with medical or collections debt
Households navigating disputed medical bills, aged collections, and time-barred debt.
Survivors of identity theft and financial abuse
People untangling accounts and inquiries that were never theirs.
Northern Virginia in person. The whole country online.
Priority geography is Northern Virginia and the surrounding region for workshops and document-prep clinics. The free self-help tool and the digital curriculum are available nationally, at no charge, to anyone with an internet connection.
- Prince William County
- Fairfax County
- City of Manassas
- City of Alexandria
- Arlington
- Loudoun County
- Stafford County
- Nationwide (online tools)
Want the program in your community?
If you run a library, congregation, reentry program, workforce board, or legal-aid office serving any of these groups, we can bring workshops, clinics, and train-the-trainer support to you.
See how partnership works