We provide innovative credit products and legal and consumer rights services to consumers with limited access to traditional lenders. Our offerings are designed to help consumers access affordable financial products and legal services. We help consumers access and build credit responsibly and achieve financial independence.

A 2023 survey conducted by Payroll.org highlighted that 78% of Americans live paycheck to paycheck, a 6% increase from the previous year. In other words, more than three-quarters of Americans struggle to save or invest after paying for their monthly expenses.

Our products and services help you understand and improve your credit profile, become aware of your consumer rights, fight against unfair and deceptive practices of financial institutions and businesses, resolve your debt and credit issues, develop healthy financial habits and build savings.