Fair Credit Charity

The Fair Credit Charity is an anti-poverty charity set up in 2015. Our mission is to alleviate poverty through better credit solutions for lower-income households. As a charity, we have four key objectives: 1) We help relieve poverty by offering access to affordable credit to low income households, to purchase goods for the home, through the award-winning social lender Fair for You CIC, which we own outright. 2) We provide Social Impact reporting to Fair for You CIC, and we share that learning with stakeholders, to influence the wider credit market. 3) We campaign for better credit solutions that meet the borrowing need of lower-income families. 4) We educate policy makers, the social sector and regulators of the issues facing those families, the real costs of borrowing, and the benefits of better credit solutions. The charity took on its current name in 2022, having originally been called Fair for You Ltd. The name change avoids confusion with Fair for You CIC, and clarifies the charity's broader role. The Fair Credit Charity is registered with the Charity Commission for England and Wales (registered charity number 1161809), and the Office of the Scottish Charity Regulator (registered charity number SC046556).