Skip to content
Nonprofiteer
← All organizations

WORKING CREDIT NFP

EIN 47-2614811 CHICAGO, IL

Revenue 2025
$2,141,525
Expenses 2025
$2,424,670

Program services were 75.8% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
P20
Classification
1000
Street
111 W WASHINGTON ST STE 900

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2025

Mission

We partner with individuals and communities to interrupt structural racism by providing credit building education, one-on-one counseling, and access to the products needed to thrive financially.

  • The road to good credit is shorter than many think. People do not have to be wealthy to have a good credit score, but they do have to know the rules of the credit scoring system and adopt concrete strategies to establish and sustain creditworthiness. Enter Working Credit: our program aims to scale credit building, particularly among people of color, as a strategy for achieving financial resilience in the near term, and expanding access to economic and social opportunities in the longer term. We do this by helping participants acquire the upfront knowledge, affordable products, and ongoing support they need to achieve and sustain prime credit scores and to establish a safety net of at least $1,000 in available credit. Working Credits one-of-a-kind credit building program is comprised of two parts:1.Credit Building Workshops. Working Credit offers a signature virtual and in-person 45-minute workshop that provides baseline information on the credit scoring system, including the high cost of having poor or no credit, the fundamental rules of credit scoring, simple and straightforward strategies to establish and/or build a strong score, and scams to avoid like predatory credit repair. 2.One-on-One Credit Building Counseling and Coaching for 12 Months. Working Credits one-on-one, personalized, credit building counseling starts with a 60-minute, in-depth and confidential session during which Working Credit counselors and participants:a.Complete a baseline financial profile that encompasses a detailed personal/household budget reflecting the participants current reality and focusing on their unique goals; b.Pull and review a soft inquiry version of the participants credit report (soft inquiries do not impact consumers credit scores) to make sure the information is accurate and that participants understand its content and what may be affecting their score (if any), and identify barriers and solutions for improving their situation based on their goals; and c.Develop a personalized Credit Action Plan that serves as a detailed roadmap informed by the participants goals. Those who complete the first counseling session have unlimited access to, and receive unlimited help from, their Working Credit counselor for 12 months. Regardless of how many or how few additional sessions participants request, our counselors pull each persons credit reports and credit scores at 6 and 12 months after that first meeting. They then share with them a personalized report that explains what changed, why, and what the participant can do to continue building credit and make the most of new and improved scores. In addition to being credit building subject matter experts, Working Credits counselors and coaches can and do support participants on a range of financial topics. These include but are not limited to:Managing credit card, medical, student loan, collections, and other debtNavigating student aid and post-secondary education financing resourcesRefinancing high interest vehicle loansCancelling contracts, when possible, for predatory credit/debt servicesFiling for bankruptcyHandling judgments, garnishments, and tax liensNavigating credit and divorceRenting or purchasing a home (knowing your rights and options)Applying for tax credits (e.g., EITC) and other benefitsAs we have expanded our capacity to reach people in different contexts, our relational model is evidence-based and scalable. Provided remotely and with a robust backend platform to manage participants and partners, our services can be offered as a standalone program, or layered in as a complement to an existing initiative so that we and our partners can focus on what we each do bestand together better support our mutual participants. Working Credits goal is not just to convey information, but to transform that information into actionable knowledge and sustained impact that improves participants financial circumstances and interrupts barriers to goal achievement caused by structural racism in the credit system.

    Expenses $1,837,605 · Revenue $309,645

As filed on the 2025 return.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Sarah Chenven

    Frmr CEO

    Total calculated
    $129,585
    From this org
    $129,585
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Kristin Schell

    Interim Co-CEO

    Total calculated
    $109,342
    From this org
    $109,342
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Morgan Spears

    Interim Co-CEO

    Total calculated
    $109,342
    From this org
    $109,342
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Ricki Lowitz

    Founder/Advisor

    Total calculated
    $72,024
    From this org
    $72,024
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Jacqueline Scott

    President

    Total calculated
    $0
    Hours/week
    2

  • Ellen Meade

    Director

    Total calculated
    $0
    Hours/week
    2

  • Kim Allman

    Secretary

    Total calculated
    $0
    Hours/week
    2

  • Gary Kash

    Director

    Total calculated
    $0
    Hours/week
    2

  • Kant Desai

    Treasurer

    Total calculated
    $0
    Hours/week
    2

  • Colette Labrador

    Director

    Total calculated
    $0
    Hours/week
    2

  • Valerie Rivera

    Director

    Total calculated
    $0
    Hours/week
    2

  • Diana Elliott

    Director

    Total calculated
    $0
    Hours/week
    2

  • Vanessa Messan

    Director

    Total calculated
    $0
    Hours/week
    2

  • Annyelica Diaz

    Director

    Total calculated
    $0
    Hours/week
    2

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. Earlier years are each on their own filing page.

Filings

  • 2025
    Revenue
    $2,141,525
    Expenses
    $2,424,670
    Contributions
    $1,778,074
    Grants paid
    $0
  • 2024
    Revenue
    $4,359,994
    Expenses
    $1,985,948
    Contributions
    $4,073,161
    Grants paid
    $0
  • 2023
    Revenue
    $2,073,323
    Expenses
    $1,898,580
    Contributions
    $1,731,824
    Grants paid
    $0
  • 2022
    Revenue
    $773,930
    Expenses
    $1,436,525
    Contributions
    $508,226
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $1,081,152
    Expenses
    $822,541
    Assets (EOY)
    $1,342,543

  • 2020 · 990

    Revenue
    $822,320
    Expenses
    $877,906
    Assets (EOY)
    $971,219

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

The 10 largest by cash amount. The API serves every itemized grant.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 13 October 2026, under deductibility PC.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 26 October 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.