Teresa Pucheta had lived alone for years, until a friend with health problems needed a place to stay. She shared her house with him until he died of cancer, she says. "Then I saw the house was kind of lonely. Another friend said: 'There's a place you can get a roommate.'" That's when Pucheta first found out about a house-sharing program at St. Ambrose Housing Aid Center, a NeighborWorks network organization in Baltimore, Maryland.

Julie Saylor, library associate II and a tour guide for the exhibit Undesign the Redline, looked at the group gathered around her at Baltimore's Enoch Pratt Free Library and asked her opening question: "How many of you know what redlining is?"

Hands shot up — lots of hands. 

Having poor credit or no credit history at all can have ripple effects for a person who is already in a precarious financial situation. A person's credit history tells a story to lenders, landlords, and service providers; therefore, a poor credit history can make it difficult to find affordable housing, buy a home, or even procure common goods and services such as a cellphone, furniture, or car insurance. 

The winter holidays and the start of school are times when expenses can suddenly spike. Many low- to moderate-income families are unable to cover them, turning instead to expensive, predatory payday, auto-title or similar loans. Clearly, a safe alternative is needed.

The regular, thorough organizational assessments required of all nonprofits wanting to become and stay members of the NeighborWorks network is daunting. There is no denying it: The process requires significant staff time and is both demanding and rigorous. But it is a compelling point of differentiation for funders and policymakers, and many organizations have discovered a variety of internal benefits that have made them champions of the requirement.