MyPath Savings2Credit


In today’s economy, a credit score opens doors or closes them, and all too often young adults from low-income  communities have no credit or have damaged credit. The only program of its kind in the U.S., MyPath Savings2Credit engages young adults in credit-building and saving, opening doors to quality employment, quality financial products, college, entrepreneurship and housing.

Integrated into existing youth workforce settings that reach working young adults ages 18 – 24 years old, MyPath Savings2Credit combine financial education, powered by in-person activities and technology, with credit-building loans, savings products and one-on-one financial coaching.  


In a 2014 pilot with YearUp Bay Area, the first iteration of MyPath Credit achieved astounding results:

  • MyPath Credit participants that start with no credit achieve average credit scores between 650 and 700 within six months of the program
  • 85% of MyPath Credit participants see an improved FICO credit score at the end of the program.
  • MyPath Credit participants with damaged credit experience an average jump of 30+ points after six months of the program.

Learn more about key findings of our groundbreaking credit-building model here: Not Getting Enough Credit.

MyPath Savings2Credit’s innovation and promise were highlighted in The Power of Credit-Building by Credit Builders Alliance & Asset Funders Network in 2014. The report showcases the importance of both establishing and building credit with low-income populations. MyPath Savings2Credit was featured as the only such program serving youth in the United States.


Self-Help Federal Credit Union ● Year Up San Francisco and Year Up Silicon Valley ● YouthBuildUSA ● Juma Ventures Seattle and San Jose

Become a Partner

If you are interested in learning more about our MyPath Savings2Credit model, please contact our Strategic Growth Lead, Catherine Dhongade, at [email protected].