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Credit Do Inc

EIN 27-3885847 · South Orange, NJ

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthWeak13 out of 100GovernanceNot ratedThe short tax form does not cover thisImpact evidenceDescribes programsHow well its results are evidenced

What it says it does

CREDIT DO IS A NON-PROFIT ORGANIZATION DEDICATED TO MAKING FINANCIAL INDEPENDENCE A REALITY FOR ALL. WE CREATE UNIQUE OPPORTUNITIES FOR PURCHASING FOOD, CLOTHES, SCHOOL SUPPLIES AND OTHER ESSENTIAL GOODS IN EXCHANGE FOR DOING SOCIAL GOOD.

Income
$65,859
Spending
$90,598
Reserves
0.2 months of spending
Largest source of income
donations and private grants, 100%
Highest pay
$30,700, founder/ceo

Source: Form 990EZ for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Weak: 13 out of 100. Higher than 3% of charities in its peer group (human services, under $250k).

  • Reserves

    4 of 35

    Spendable reserves would cover 0.2 months of spending.

  • Debt

    5 of 20

    It owes 73% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 38% of income.

Source: Form 990EZ for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

This organization files the short tax form, which does not ask about boards, policies or audits. That is normal for a small charity and is not a mark against it.

Source: Form 990EZ for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (3)
  1. $50,843 spent. DEVELOPMENT PROGRAM INCLUDES BUILDING TECHNOLOGY, PROTOTYPES AND TESTING OF OUR DIGITAL PRODUCT TO BRING TO MARKET.
  2. $15,672 spent. GENERAL PROGRAM - CREDIT DO CREATES UNIQUE OPPORTUNITIES FOR PURCHASING FOOD, CLOTHES, SCHOOL SUPPLIES, AND OTHER ESSENTIAL GOODS IN EXCHANGE FOR DOING SOCIAL GOOD.
  3. $2,550 spent. ALL OTHER PROGRAMS - THIS CONSISTS OF $1,050 OF ASSISTANCE TO STUDENTS FOR THEIR SAVINGS, $840 IN CONTRACTOR FEES, AND $120 IN SUPPLIES FOR THE EDUCATION SAVINGS PROGRAM, AS WELL AS $540 IN DONATED OFFICE SUPPLIES AND PROGRAM MATERIALS FOR THE YOUTH PROGRAM.

Source: Form 990EZ for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since February 2012.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.