Credit Building


Master Your Credit

Your credit matters. Whether you need financing when you launch your business or you hope to expand it in the future, chances are that you will need to have a good credit score. If you’re not sure what your score is that’s a good sign that you should check and we can help.

The sooner you know the better. Better credit doesn’t happen over night, so checking early gives you the ability to build credit while you are developing your business.

About This Workshop

Do you know how to:

  • Request a copy of your credit report?
  • Assess what a good credit score is?
  • Dispute incorrect information?
  • Prioritize which debts to pay off first?

The Building Your Credit program is your opportunity to learn the answer to these questions, create a plan for improvement of your credit, and act!


Participants of this program will meet one-on-one with a coach to:

  • Receive and review a copy of their credit report at the workshop
  • Develop a personal budget
  • Complete a financial well-being assessment
  • Create an action plan with their coach and work toward their goals
  • Receive a second copy of their credit report 12 months later


Participants of this program have reported:

  • An average improvement in their credit score of 49 points
  • If they had no score, an average improvement to a 680 credit score

Building your credit takes time so participants will be allowed to request a free second credit report one year after completing the seminar so they can see their hard work pay off.



Building Credit without a Social Security Number

Many people assume that without a social security number, it is impossible to build a strong credit history.  However, this is not the case? Click here to learn more!

Addressing Identity Theft

The Bureau of Justice defines identify theft and identity fraud as types of crime in which someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception, typically for economic gain. Click here to learn more and protect yourself!

Resolving Errors through a Dispute Process

Disputing incorrect information is good for your credit. Click here to learn more!

Negotiating with Creditors

Dealing with collectors can often be more confusing and confrontational than working with an original creditor. While it is often necessary to deal with debt in collections, especially in order to avoid further financial consequences like wage garnishment, it is important to be strategic and purposeful when paying collections and negotiating with creditors. Click here to learn more!


The City of Seattle provides the primary funding for the Mercy Corps Northwest IDA Business Grant program and 0%-Interest Microloan program.  Through the Office of Economic Development, the City has outreach teams on the ground in disadvantaged and underserved areas working with Mercy Corps Northwest to deliver the technical assistance and financial services entrepreneurs need to launch, maintain, and grow their businesses.

Whether you are a new entrepreneur, an experienced business owner, or managing a company, the Seattle Public Library has services that can help you succeed.  Staff meet one-on-one with you to size up your industry, discover customer demographics, find information about markets, improve your business skills, and find referrals to other business assistance organizations.