WORKWISE
UPWARD MOBILITY FOR ALL
WorkWise Credit provides economic upward mobility for the American workforce overlooked by conventional credit bureaus.
120 million Americans with strong work ethics & financial stability are locked out of housing, auto, and education financing.
We provide upward mobility expanding credit access for an under-served American workforce, through verified work history and labor-based scoring.
CREDIT
Our Mission
Empowering Financial Inclusion
At WorkWise Credit, we are committed to revolutionizing credit access for underserved communities through our innovative approach to credit scoring.
Our focus on enhancing financial wellness and fostering economic empowerment is aimed at transforming the lives of hardworking individuals across America.
Our mission is to redefine credit evaluation by leveraging verified work history and labor-based credit scoring, offering tailored financial solutions that bridge the gap for the underserved workforce. Through our dedication to financial inclusion, we are shaping a brighter financial future for all.
The Challenge
120M
Credit-Invisible
Americans
Adults lacking sufficient credit history to be scored by traditional bureaus.
60%
U.S. Workforce
Underserved
Hourly wage earners, gig workers, and cash-paid laborers are systematically excluded.
47%
GDP from Labor
Wages
The economic contribution of workers is overlooked by credit systems.
Over 120 million Americans are locked out of housing, auto loans, education financing, and emergency credit despite demonstrating disciplined financial stability and strong work ethics. Current credit bureaus fail to recognize reliable activity-based patterns like consistent work attendance, employment stability, and job loyalty—perpetuating a cycle of financial exclusion that disproportionately affects hourly wage earners, gig workers, and cash-paid employees
Our Services
Who We Serve
Workwise Credit MVP introduces a fundamentally new kind of credit bureau, centered exclusively on real, existing labor. By capturing and analyzing employment data that traditional bureaus ignore, we create alternative pathways to creditworthiness for millions of Americans who have been systematically excluded from financial opportunity.
Individuals
We serve low-income, gig economy, and cash-paid workers—fostering their economic prosperity and strengthening communities by providing access to upward mobility.
B2B Services
Mission-driven lenders, credit unions, Community Development Financial Institutions (CDFIs), and landlords seeking fair risk assessment methods while expanding financial inclusion.
Our Model
CONSENT & TRANSPARENCY
Opt-in participation with clear scoring feedback
WORK CONSISTENCY
Steady hours, job continuity, reliability scoring (~30% weight)
ATTENDANCE
& RELIABILITY
On-time track record, minimal no-shows (~15% weight)
EMPLOYER TENURE
Job duration and loyalty indicators (appropriately weighted)
At the core of Workwise Credit is our proprietary Labor Credit Scoring System™—an algorithm that translates work performance into creditworthiness. Unlike traditional credit reports based on debt repayment, our system evaluates employment patterns, attendance reliability, and job tenure to create comprehensive credit profiles.
The scoring model operates with full user consent and participation. Workers opt in by linking employment data in exchange for credit pathways and receive transparent, informative feedback showing which behaviors help or hurt their score. This approach enables vulnerable populations to avoid predatory payday loan services by accessing legitimate credit options.
Connect with Us
Reach Out
Have inquiries or need more information? Don't hesitate to contact us. We are here to support you on your journey towards financial empowerment.