700 Is the score that opens doors.

700 Credit Score Communities®

The goal behind every program: helping people, and the communities they live in, reach a 700 credit score.

A first home, a small‑business loan, a lower interest rate. Operation HOPE coaches you there one on one, in person or online, at no cost to you.

Get free coaching Or call 1‑888‑388‑HOPE

Six free programs

Credit and money management

Build credit, budget with confidence and pay down debt with a coach in your corner.

Homeownership

Get ready to buy a first home with coaching from HUD‑certified coaches.

Small business

Plan, launch or grow a business, with coaching for new and established owners.

Workplace wellness

Financial coaching for employees, offered as a benefit through their employer.

Disaster recovery

Prepare before a disaster strikes and rebuild your finances after one.

Youth and young adults

Money skills for students and young adults, before the big decisions arrive.

How coaching works

Educate

Workshops and short courses that make money plain, at your own pace.

Coach

One‑on‑one sessions with a Financial Wellbeing Coach who works from your goals.

Connect

A path to the accounts, partners and next steps that fit your plan.

Client outcomes, 2023

+41

Average FICO score gain for clients who saw positive change

+$1.1K

Average increase in savings

$1.9K

Average reduction in debt

$1.3B

In mortgage loans secured for 8,900 homebuyers

400K+

Black businesses created, served or scaled since 2020 through One Million Black Businesses

Sources: Operation HOPE client outcomes for 2023 (the debt figure is approximate); mortgage and business totals from its 1865 Project.

Ways to help

Give

Every gift helps keep one‑on‑one coaching free for the people who need it.

Ways to give

Volunteer

Mentors and subject specialists share what they know. Tell us how you would like to help.

Volunteer

Partner

Bring a HOPE Inside location or a workplace program to your bank, company or community.

Partner with us

Since 1992

1992

Founded on May 5, 1992, by John Hope Bryant, in the days after the civil unrest in Los Angeles. He leads it today as founder, chairman and CEO.

Our story

Years in a row of a four-star rating from Charity Navigator, through 2024.

Ways to give

Coaching is free.

Start online through the client portal, or call toll‑free and talk it through.

Get free coaching 1‑888‑388‑HOPE