We use technology to help non-profits and city governments provide high-quality, personalized credit advice to their clients and residents. 92 million Americans have subprime credit and 42 million have no credit record or unscorable records. The average consumer with subprime credit pays $200,000 in interest and fees during their lifetime. We think that number is too high. We believe that everyone should be equipped to take control of their financial situation and build a brighter future for themselves and their families.