FreshCredit® Inc is not a bank, credit union, credit repair company, or credit reporting agency (CRA). FreshCredit® does not make lending decisions, extend credit, guarantee credit outcomes, or provide financial advice. The FreshCredit Organization is a Wyoming 501(c)(3) Public Benefit Corporation (EIN 85-4287057) that builds research and sets policies for the FreshCredit ecosystem. ORG's white papers and frameworks are executed by The FreshCredit Lab and deployed via The FreshCredit DAO. All credit decisions are made by the providers who build on the FreshCredit® platform.