 TITLE: Can a Lending Circle Help You Build Credit? CONTENT: How to Find a Lending Circle\n----------------------------\nIf you're interested in joining or starting a lending circle that can help build your credit, MAF has a directory you can search based on your ZIP code. You might work directly with MAF, or form a group through a local partner organization. In either case, you'll see MAF as the lender in your credit reports. The lending circle payments are also guaranteed, so you'll receive your full payout even if a member of your circle misses a payment.\nYou can download the Esusu Savings iOS or Android app to create an account and start a savings group. While Esusu helps facilitate the transfer of funds and credit reporting, the group leaders are responsible for setting the group's terms, inviting people to participate and encouraging participants to make their contributions on time. END