Remote video URL
Credit in America: Myth Busting and Case Making to Expand Credit Building for Low-Income Americans

The event will be webcast live from this page.
Registration is NOT required to view the webcast.
Online audience can submit questions to [email protected]

Without good credit, most Americans would find it difficult to rent an apartment, respond to an emergency, or qualify for a mortgage. Yet, more than one-quarter of Americans have poor credit or no credit score. At the same time, people with credit are often conflicted and uncomfortable with how entangled it is with debt. Mixed messages about the perils and perks of credit contribute to collective misconceptions among the general public. Meanwhile, having poor or no credit continues to burden low-income Americans, leaving them with high transaction costs and limiting their opportunities.

The Urban Institute invites you to a discussion led by Washington Post syndicated columnist Michelle Singletary, where researchers, practitioners, and policymakers will delve into the myths and facts about credit, why those views are so persistent, and why credit building should be expanded for low-income Americans. We will also debut a new video and fact sheet that explore commonly held myths about credit, the facts that bust those myths, and the cost of poor or no credit.


Featured Speakers

  • Bob Annibale, Global Director, Citi Community Development and Inclusive Finance 
  • Diana Elliott, Senior Research Associate, Urban Institute
  • Ricki Granetz Lowitz, CEO and Cofounder, Working Credit; Nittoli Fellow, Urban Institute
  • Trinh Nguyen, Director, Workforce Development, City of Boston
  • Brenda Palms-Barber, Executive Director, North Lawndale Employment Network
  • Michelle Singletary, Syndicated Columnist, Washington Post (moderator)
Event Materials

Registration will be available at 2:00 p.m. and the program will begin promptly at 2:30 p.m. A networking reception will follow the event at 4:00 p.m. Please contact [email protected] with any questions. 

Support for this event is provided by The Rockefeller Foundation. For more information on the Urban Institute’s funding principles, go to

Photo by Shurkin Son/Shutterstock

Date & Time Tuesday, September 18, 2018
Urban Institute 2100 M Street NW
5th floor
Washington , DC , 20037
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  • Senior Fellow, Research