Agreement between Working Credit and Participant

Voluntary Participation

1) I understand that Working Credit (“Working Credit”) is a non-profit organization with a mission to help participants become more financially resilient by assisting them to build and sustain strong credit scores, and does not benefit financially from any step I take, or any financial product I choose to use, to build my credit.

2) I understand that (“Partner”) has contracted with Working Credit to provide one-on-one credit building counseling, lasting 12 months (the “Program”), to its clients and/or employees, and that Working Credit is providing the Program at no cost to me.

3) I understand that I have asked Working Credit to provide me with the Program, that my participation in the Program is completely voluntary, and that I may withdraw from the Program at any time using the contact information listed below.

Credit Report Request

4) I authorize Working Credit to pull my TransUnion credit report and credit score(s) now, and periodically, for a period not to exceed three (3) years beyond the date this agreement is signed.

5) I understand that all credit inquiries by Working Credit constitute “soft inquiries” and will not adversely affect my credit or my credit score(s).

6) I understand that Working Credit will keep my individual credit report(s) and score(s) confidential, and use them only as authorized by me.

7) I understand that credit information is sensitive and that there may be inherent risks to accessing such data; I understand that I can contact Working Credit to ask questions regarding such risks before signing this agreement using the contact information listed below.

8) I understand that I may withdraw this authorization to pull my credit report and credit score(s) at any time, without penalty, by sending a request by:

Email: program@workingcredit.org
Mail: 111 West Washington St., Suite 900, Chicag, IL 60604 or 
Phone: 773-275-0900
Text: 314-207-3942

Privacy

9) With the exception of number 10 below, I understand that Working Credit will keep confidential all information about me obtained through my participation in the Program. Under no circumstances shall Working Credit provide my individual credit report(s) and score(s) to any third party, including Partner.

10) I understand that Working Credit may provide Partner with my name or a relevant ID number with the sole purpose of confirming my participation in the Program.

11) I understand that Working Credit may share aggregated and anonymized data (i.e., information that does not identify me by name or any other personal identifying information) with Partner and other third parties such as philanthropic funders who support Working Credit to provide the Program, to help them understand the impact of the Program.

Consent to Hold Partner Harmless

12) I understand that Partner is not a party to this agreement with Working Credit.

13) I understand that Partner is not obligated in any way to perform any service under the terms of this agreement.

14) I agree to hold Partner harmless from any obligation or any breach of this agreement.

15) I agree not to sue Partner for any breach of this agreement or for any actions taken by Working Credit. 

Disclaimer
I ACKNOWLEDGE THAT IMPROVING MY CREDIT SCORE(S), CREDIT REPORT, AND FINANCIAL CIRCUMSTANCES INVOLVES HIGHLY INDIVIDUALIZED CIRCUMSTANCES THAT ARE OUTSIDE WORKING CREDIT’S CONTROL.

I ACKNOWLEDGE THAT WORKING CREDIT MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, REGARDING ANY SUCCESS IN IMPROVING MY CREDIT SCORE(S), CREDIT REPORT, OR ANY OTHER FINANCIAL CIRCUMSTANCES AS A RESULT OF WORKING CREDIT’S SERVICES FURNISHED UNDER THIS AGREEMENT.

Any questions about this agreement can be directed to:

Email: program@workingcredit.org
Mail: 111 West Washington St., Suite 900, Chicag, IL 60604 or 
Phone: 773-275-0900
Text: 314-207-3942