"Having access to a bank account also brings basic things, like the ability to earn interest and write checks. Joining a bank or taking out a credit card can also means avoiding payday loans, which many poor immigrants currently do. These loans can charge exorbitant interest rates above 100 percent, or more."
"What Itzel found lying inside her mailbox just days before Christmas was a work authorization card from the U.S. Department of Homeland Security."
"The program’s success is attracting attention outside the Bay Area. The Mission Asset Fund has developed an innovative franchise approach, which is helping 15 nonprofits in six states run credit-building lending circles for their clients."
"Millions of Americans are locked out of low-cost credit markets simply because they don’t have credit scores. That’s millions of consumers who can’t qualify for a loan even when they have the ability to repay it."
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