Supporting Returning Citizens in Credit Building

Returning Citizens

Incarceration creates significant economic and emotional stress. Upon release, returning citizens face many barriers to reentry, including unpaid debt obligations, limited prospects for employment or housing, identity theft, and poor credit. Persons of color represent a disproportionate number of returning citizens and those incarcerated, and the challenges they face in reestablishing financial security further deepen the racial wealth gap.

In 2017, CBA began working with financial institutions, community leaders, experts in entrepreneurship, and nonprofits working with justice-exposed individuals. With support from JPMorgan Chase & Co., CBA developed resources focused on helping returning citizens reestablish and build their personal credit. CBA released its Achieving Credit Strength: A Toolkit for Supporting Returning Citizens. This toolkit is designed for practitioners seeking general guidance for supporting returning citizens with credit building.

Please note that this resource is available to anyone with a FREE Training Institute account. You do not need to be a CBA member to access or download, but you will need to log into your account or register for a free account.

Entrepreneurship and Reentry

Returning citizens frequently experience challenges in finding employment, leading many to pursue entrepreneurship and self-employment in search of financial security. CBA released Achieving Credit Strength: A Toolkit for Supporting Returning Citizen Entrepreneurs in 2018. This toolkit provides financial capability and reentry practitioners with tools and resources for helping returning citizens build strong credit and strong businesses.

Working with the Cuyahoga Office of Reentry, The Fountain Fund, and Heartland Alliance, CBA hosted convenings to share the toolkit and discuss ways to support returning citizen entrepreneurs and their financial stability.

Please note that this resource is available to anyone with a FREE Training Institute account. You do not need to be a CBA member to access or download, but you will need to log into your account or register for a free account.

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