No.94 often they say i've got a community
around me i've got social support
i'm letting them down if i don't make my
weekly or monthly contribution
there's one guy i was talking to here in
queens and he said
this is 'A' this is a 'A' i will
not eat
rather than you know miss payments this
is a real obligation i have
so it's very meaningful in ways that you
know if you just got a bank account
you don't have any of that attachment or
feeling or obligation

reporter:
that feeling of obligation can help
members build up credit or
establish it to begin with some belong
to the estimated 45 million americans
known as the credit invisible
who have no credit history at the three
major reporting agencies

professor:
banks really aren't focused on this
population mostly focused on
customers who have more money and who
are going to be more 'B' for the
bank
at least in the short run investing in
customers who are going to be 'B'
customers in the long run

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