The main room of the People's Federal Credit Union (PFCU) is across the street from the West Oakland BART station. It's about the size of a modest living room. A few bank tellers are behind thick glass. A big sign on the wall announces “4,000 Members” in green lettering. This is where Sayala Eisner-Mix, the Community Programs Coordinator of PFCU works. She's about to begin a credit report review, her third one today.