Credit Logic, Inc.

Credit Logic, Inc. is a 501(c)(3) nonprofit organization based in Atlanta, Georgia, with an IRS ruling year of 2020. Founded to eliminate the credit education gap, the organization targets economically disadvantaged populations, particularly youth and families in underserved communities worldwide, with current operations focused in the United States. The organization is led by Executive Director Roketa Johnson and governed by a board including representatives from major corporations like Humana and Amazon, reflecting institutional partnerships in the nonprofit space.

Credit Logic's primary offering is a Financial Literacy program designed for children ages 10-14. The program teaches foundational financial concepts including credit management, debt awareness, and investment basics. The organization recognizes that today's youth face unprecedented access to credit products—cellphone plans, online shopping, credit cards, and high-interest loans—without corresponding financial education. Their curriculum aims to prepare children for adulthood by building financial confidence and decision-making skills before they become adults facing real credit decisions.

The organization distinguishes itself through its explicit focus on youth financial education rather than adult credit repair or debt management. Their target population includes adolescents, preteens, economically disadvantaged people, and people of African descent, reflecting a mission-driven approach to equity in financial literacy. The board composition demonstrates commitment to diversity, with leadership identifying as Black/African American female.

A significant limitation is that Credit Logic has not appeared on the IRS Business Master File in recent months, raising questions about current operational status. The website content is minimal and lacks detailed program descriptions, outcome metrics, or evidence of active service delivery. Prospective participants should verify current operations before expecting program access. Additionally, the organization appears to operate primarily at the community education level rather than providing individualized credit counseling or professional financial advisory services.