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At HOPE we believe that when you transform a neighborhood to become a 700 credit score community, check cashers, title lenders, and payday lenders become credit unions and community banks, and liquor stores are transformed into convenient stores and grocery markets. 

HOPE believes that a community empowered with their own sense of financial dignity asks more good questions, demands better products and services, is more aspirational, and positions themselves as an upwardly mobile emerging market for the future.  An empowered community is a community filled with economic opportunity.

HOPE Inside locations lead our efforts to transform the client-base we serve and the under-served communities we exist within to drive so-called "poor neighborhoods" to become emerging market communities of economic opportunity. This will be done with a focus on creating 700 credit score communities by working closely with our clients and surrounding communities to move average credit scores from the range of 550 to the 650 range. Those with bad credit often find themselves in a debt spiral. Unable to afford to pay off debts, they face high finance charges and difficulty getting work or loans to start businesses or go to school.

Operation HOPE provides free one-on-one credit counseling services at all HOPE Inside locations and over the phone. Our Certified Personal Finance Counselors help clients identify specific debt and budgeting issues and take steps to establish or improve their credit.

Our counseling program includes:

Free TransUnion credit report
One-on-one consultation with a credit professional
Assistance in writing dispute letters
Comprehensive budget preparation
Credit and Money Management Workshops

To find out more about the 700 Credit Score Communities Initiative, please contact