CREDO (company)
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CREDO Mobile (formerly Working Assets Wireless) is an American
mobile virtual network operator A mobile virtual network operator (MVNO) is a wireless communications services provider that does not own the wireless network infrastructure over which it provides services to its customers. An MVNO enters into a business agreement with a mobil ...
headquartered in
San Francisco, California San Francisco, officially the City and County of San Francisco, is a commercial, Financial District, San Francisco, financial, and Culture of San Francisco, cultural center of Northern California. With a population of 827,526 residents as of ...
. CREDO Mobile's
mobile network operator A mobile network operator (MNO), also known as a mobile network provider, mobile network carrier, mobile , wireless service provider, wireless carrier, wireless operator, wireless telco, or cellular company, is a telecommunications provider of se ...
is
Verizon Wireless Verizon is an American wireless network operator that previously operated as a separate division of Verizon Communications under the name Verizon Wireless. In a 2019 reorganization, Verizon moved the wireless products and services into the div ...
.


History

Working Assets was founded by Peter Barnes, Michael Kieschnick and Laura Scher in 1985 in San Francisco, as a business that would use its revenues to fund progressive social change work. Each time their customers use its services—mobile, long distance or credit card—WA would automatically send a donation to progressive nonprofit groups. To date it has raised more than $87 million for groups like
Planned Parenthood The Planned Parenthood Federation of America, Inc. (PPFA), or simply Planned Parenthood, is an American nonprofit organization
,
Rainforest Action Network Rainforest Action Network (RAN) is an environmental organization based in San Francisco, California, United States. The organization was founded by Randy "Hurricane" Hayes and Mike Roselle in 1985, and first gained national prominence with a gra ...
and
Oxfam America Oxfam is a British-founded confederation of 21 independent non-governmental organizations (NGOs), focusing on the alleviation of global poverty, founded in 1942 and led by Oxfam International. It began as the Oxford Committee for Famine Relief ...
.


Credit cards

Working Assets's initial product was a credit card that generated donations to progressive nonprofit groups every time the card was used. Soon, the company introduced a ballot process for its customers to vote on how to distribute the money raised among nonprofit groups. The ballot is still used today.


Long-distance phone service

In 1991, the company launched long-distance phone service, promoting the fact that it would donate 1% of its customer charges to nonprofit groups. It also featured political actions in the customers' monthly bills, urging them to make free calls to elected officials. And it let customers pay for "CitizenLetters" to be sent in their name to the officials. By 1993, these actions included calling for a
single-payer healthcare Single-payer healthcare is a type of universal healthcare, in which the costs of essential healthcare for all residents are covered by a single public system (hence "single-payer"). Single-payer systems may contract for healthcare services from pr ...
system and for allowing gays in the military.


Mobile phone service

The company started its mobile phone service as a
Mobile Virtual Network Operator A mobile virtual network operator (MVNO) is a wireless communications services provider that does not own the wireless network infrastructure over which it provides services to its customers. An MVNO enters into a business agreement with a mobil ...
(MVNO) using the
Sprint Nextel Sprint Corporation was an American telecommunications company. Before being Merger of Sprint Corporation and T-Mobile US, acquired by T-Mobile US on April 1, 2020, it was the fourth-largest mobile network operator in the United States, serving 5 ...
network in 2000. It also launched an activist website called Act for Change (now CREDO Action) in that same year. In 2016, the mobile phone service became a MVNO using the
Verizon Wireless Verizon is an American wireless network operator that previously operated as a separate division of Verizon Communications under the name Verizon Wireless. In a 2019 reorganization, Verizon moved the wireless products and services into the div ...
network, switching from the
Sprint Nextel Sprint Corporation was an American telecommunications company. Before being Merger of Sprint Corporation and T-Mobile US, acquired by T-Mobile US on April 1, 2020, it was the fourth-largest mobile network operator in the United States, serving 5 ...
network.


Name change

In November 2007, Working Assets Wireless announced that it was changing its name to CREDO Mobile. The names of its phone services were changed to CREDO mobile and CREDO Long Distance. However, its credit card is still called the Working Assets Credit Card.


Environmental policy

In keeping with its commitment to protect the environment, the company offers free phone recycling, prints its bills on 100% post-consumer recycled paper, and offsets its electricity and shipping costs through
Carbonfund.org The Carbonfund.org Foundation (known as Carbonfund.org) was formerly a 501(c)(3) not-for-profit organization based in East Aurora, New York. It still provides carbon offsetting and greenhouse gas reduction options to individuals, businesses, an ...
's "carbon-free" program. CREDO plants 100 trees for every ton of paper it uses (enough to generate another ton) and it has donated more than $15 million to environmental groups in the US and abroad. In 2009, CREDO Mobile was recognized by the nonprofit Planning and Conservation League as the Environmental Business of the Year.


Political activism

CREDO Mobile's mission of social change takes the form of two primary activities: its donations to progressive nonprofits, and its CREDO Action activist arm.


Donations to nonprofit groups

Donations from its credit card, long-distance and mobile customers cumulatively total more than $80 million since 1985. In 2015, the company said that "CREDO and its members have raised over $3 million for Planned Parenthood, making us Planned Parenthood's largest corporate donor." Other major recipients of donations include the
ACLU The American Civil Liberties Union (ACLU) is an American nonprofit civil rights organization founded in 1920. ACLU affiliates are active in all 50 states, Washington, D.C., and Puerto Rico. The budget of the ACLU in 2024 was $383 million. ...
,
Doctors Without Borders Doctor, Doctors, The Doctor or The Doctors may refer to: Titles and occupations * Physician, a medical practitioner * Doctor (title), an academic title for the holder of a doctoral-level degree ** Doctorate ** List of doctoral degrees awarded ...
,
Rainforest Action Network Rainforest Action Network (RAN) is an environmental organization based in San Francisco, California, United States. The organization was founded by Randy "Hurricane" Hayes and Mike Roselle in 1985, and first gained national prominence with a gra ...
,
350.org 350.org is an international environmental organization addressing the climate crisis. Its stated goal is to end the use of fossil fuels and transition to renewable energy by building a global, grassroots movement. The 350 in the name stands fo ...
, and
Amnesty International Amnesty International (also referred to as Amnesty or AI) is an international non-governmental organization focused on human rights, with its headquarters in the United Kingdom. The organization says that it has more than ten million members a ...
. Each year, the company selects dozens of nonprofit groups in five broad issue areas: civil rights, economic and social justice, environment, peace and international freedom, and voting rights and civic participation. And each year, the company asks its customers ("members" in the company's parlance) to vote on how to distribute the money it raises among the groups. One criticism of CREDO Mobile is that the organization only donates about 1% of each customer's bill. In 2018, CREDO Mobile donated $4000 to the initial Strong Arm Press crowdfunding drive. This press, a small imprint started in 2018 by
The Intercept ''The Intercept'' is an American left-wing nonprofit news organization that publishes articles and podcasts online. ''The Intercept'' has published in English since its founding in 2014, and in Portuguese since the 2016 launch of the Brazilia ...
editor
Ryan Grim Ryan W. Grim (born March 23, 1978) is an American author and journalist. Grim was Washington, D.C., bureau chief for ''HuffPost'' and formerly the Washington, D.C., bureau chief for '' The Intercept''. In July 2024, Grim and ''The Intercept''s co ...
and
HuffPost ''HuffPost'' (''The Huffington Post'' until 2017, itself often abbreviated as ''HPo'') is an American progressive news website, with localized and international editions. The site offers news, satire, blogs, and original content, and covers p ...
editor Alex Lawson, placed CREDO's logo on the back cover of its first six books.


CREDO Action

Credo Mobile also has created an online network of more than 3 million activists who take actions both online and offline. On its website, the company states: During the build-up to the 2003 invasion of Iraq, the company opposed it and worked with
MoveOn.org MoveOn (formerly known as MoveOn.org) is a progressive public policy advocacy group and political action committee. Formed in 1998 around one of the first massively viral email petitions, MoveOn has since grown into one of the largest and most i ...
and
True Majority TrueMajority was a left-wing advocacy group in the United States. In September 2007, TrueMajority and its related organization TrueMajorityACTION merged with USAction. By 2008, the combined groups had over 700,000 members, making it, together wi ...
to take out a full-page advertisement in ''
The New York Times ''The New York Times'' (''NYT'') is an American daily newspaper based in New York City. ''The New York Times'' covers domestic, national, and international news, and publishes opinion pieces, investigative reports, and reviews. As one of ...
'' against the US-led invasion. In 2004, it launched an "election protection" program and donated more than $1 million to groups working to register voters and increase turnout on Election Day. Credo Mobile has been a vocal opponent of both the Afghanistan War of 2001 and the Iraq War that began in 2003, and it mobilized against the invasions and later to push for withdrawal of US troops from both countries. This partly led in 2009 to ''
Fast Company ''Fast Company'' is an American business magazine published monthly in print and online, focusing on technology, business, and design. It releases six print issues annually. History ''Fast Company'' was founded in November 1995 by Alan Webb ...
'' magazine including CREDO in its top five "brave brands". Among its environmental activism, the company has focused on moving away from fossil fuels and toward supporting renewable sources. As such, it has campaigned relentlessly against coal power, natural gas fracking, and more recently, against the proposed
Keystone XL The Keystone Pipeline System is an oil pipeline system in Canada and the United States, commissioned in 2010, formerly owned by TC Energy. It is now owned by South Bow, following TC Energy's spin off of its liquids business into a separate publi ...
pipeline. To increase voter turnout in the
United States presidential election of 2008 United States presidential election, Presidential elections were held in the United States on November 4, 2008. The Democratic Party (United States), Democratic ticket of Barack Obama, the junior list of United States senators from Illinois, ...
, CREDO Action started an initiative called Pollworkers for Democracy, which paid individuals to staff polling places and ensure fair voting practices. For their Text Out the Vote campaign, CREDO invited users to enter friends' phone numbers to text them each a reminder to vote on election day. Several
U.S. state In the United States, a state is a constituent political entity, of which there are 50. Bound together in a political union, each state holds governmental jurisdiction over a separate and defined geographic territory where it shares its so ...
s approved CREDO's online voter-registration tool. At CREDO's GoVote.org website, voters could look up their nearest
polling place A polling place is where voters cast their ballots in elections. The phrase polling station is also used in American English, British English and Canadian English although a polling place is the building and polling station is the specific ...
.SF Chronicle: CREDO relies on text messages to ensure progressive victory
/ref> CREDO's political activism includes a wide range of issues – from favoring marriage equality, women's rights, food safety and increased prosecution of fraud and crimes on Wall Street, to opposing corporate money in politics, especially in the aftermath of the
US Supreme Court The Supreme Court of the United States (SCOTUS) is the highest court in the federal judiciary of the United States. It has ultimate appellate jurisdiction over all Federal tribunals in the United States, U.S. federal court cases, and over Stat ...
's decision in '' Citizens United v. FEC''.


CREDO SuperPAC

In 2012, the company launched the "CREDO
SuperPAC Independent expenditure-only political action committees, better known as super PACs, are a type of political action committee (PAC) in the United States. Unlike traditional PACs, super PACs are legally allowed to fundraise unlimited amounts of mo ...
", not to support candidates but to oppose them. Becky Bond, CREDO Mobile's Vice President and Political Director, served as President of the CREDO SuperPAC. Unlike other corporate
superPAC Independent expenditure-only political action committees, better known as super PACs, are a type of political action committee (PAC) in the United States. Unlike traditional PACs, super PACs are legally allowed to fundraise unlimited amounts of mo ...
s, CREDO SuperPAC focused more on grassroots, volunteer-driven activism than on buying television advertisements. Its stated aim was to defeat candidates affiliated with the
Tea Party movement The Tea Party movement was an American fiscally conservative political movement within the Republican Party that began in 2007, catapulted into the mainstream by Congressman Ron Paul's presidential campaign. The movement expanded in resp ...
, running for re-election to the
US House of Representatives The United States House of Representatives is a chamber of the bicameral United States Congress; it is the lower house, with the U.S. Senate being the upper house. Together, the House and Senate have the authority under Article One of th ...
. Its campaign, dubbed "Take Down the Tea Party Ten", helped to defeat 5 of the candidates: Allen West,
Frank Guinta Frank Christopher Guinta (born September 26, 1970) is an American businessman and politician who represented New Hampshire's 1st congressional district in the United States House of Representatives from 2011 to 2013 and 2015 to 2017. A member of ...
,
Joe Walsh Joseph Fidler Walsh (born Joseph Woodward Fidler; November 20, 1947) is an American guitarist, singer, and songwriter. Best known as a member of the rock band Eagles (band), Eagles, his five-decade career includes solo work and stints in other ...
,
Chip Cravaack Raymond John "Chip" Cravaack (born January 29, 1959) is an American former politician and aviator. He was a Republican Party (United States), Republican member of the United States House of Representatives for northeastern from 2011 to 2013. In ...
and
Dan Lungren Daniel Edward Lungren (born September 22, 1946) is an American lawyer, lobbyist, and former politician. A native of Long Beach, California, his career as an elected official began when he was elected to the United States House of Representatives ...
. In 2014, the CREDO SuperPAC planned to use the same grassroots, volunteer-driven activism to help candidates of the
US Democratic Party The Democratic Party is a center-left political party in the United States. One of the major parties of the U.S., it was founded in 1828, making it the world's oldest active political party. Its main rival since the 1850s has been the Re ...
in five
Senate A senate is a deliberative assembly, often the upper house or chamber of a bicameral legislature. The name comes from the ancient Roman Senate (Latin: ''Senatus''), so-called as an assembly of the senior (Latin: ''senex'' meaning "the el ...
elections. By aiming to flip Republican-held seats in
Georgia Georgia most commonly refers to: * Georgia (country), a country in the South Caucasus * Georgia (U.S. state), a state in the southeastern United States Georgia may also refer to: People and fictional characters * Georgia (name), a list of pe ...
and
Kentucky Kentucky (, ), officially the Commonwealth of Kentucky, is a landlocked U.S. state, state in the Southeastern United States, Southeastern region of the United States. It borders Illinois, Indiana, and Ohio to the north, West Virginia to the ...
, while maintaining Democratic-held seats in
Michigan Michigan ( ) is a peninsular U.S. state, state in the Great Lakes region, Great Lakes region of the Upper Midwest, Upper Midwestern United States. It shares water and land boundaries with Minnesota to the northwest, Wisconsin to the west, ...
,
Colorado Colorado is a U.S. state, state in the Western United States. It is one of the Mountain states, sharing the Four Corners region with Arizona, New Mexico, and Utah. It is also bordered by Wyoming to the north, Nebraska to the northeast, Kansas ...
and
North Carolina North Carolina ( ) is a U.S. state, state in the Southeastern United States, Southeastern region of the United States. It is bordered by Virginia to the north, the Atlantic Ocean to the east, South Carolina to the south, Georgia (U.S. stat ...
, CREDO hoped to "save the Senate" from a Republican takeover.


Influence

Another company, Patriot Mobile, was begun in part to provide a conservative alternative to Credo.


References

{{Reflist, refs= {{cite news , last =O'Toole , first = James , title ='Progressive' phone company CREDO Mobile slams govt snooping, but can't stop it , newspaper = CNN Tech , location = , pages = , language =English , publisher = , date = 6 June 2013 , url =https://money.cnn.com/2013/06/06/technology/mobile/credo-mobile/ , access-date = 17 November 2016 1985 establishments in California American companies established in 1985 Mobile virtual network operators Companies based in San Francisco Progressivism in the United States