RUSHMORE CONSUMER CREDIT RESOURCE CENTER

Address
2310 NORTH MAPLE AVENUE
RAPID CITY, SD 577017849
Contact
Website: http://www.cccsbh.com
Phone: +1 (605) 348-4550
Nonprofit
NTEE: P51 - Financial Counseling, Money Management
EIN: 23-7364664

Mission

RUSHMORE CONSUMER CREDIT RESOURCE CENTER'S MISSION IS IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION
 20162015201420132012
Basic features of the organization
Doing business as nameCCCS OF THE BH AND ACCE
Year of formation1974
Metropolitan statistical area6660
Form of organization
CorporationTrue
Human resources, including compensation
Summary compensation info
Total compensation of current key personnel$79,891.00$79,663.00$79,909.00$91,247.00$89,064.00
Sum of reportable (W2/1099) compensation$74,863.00$74,863.00$74,863.00$80,700.00$82,895.00
Number of employees1112121415
Number of people compensated >$100k00000
Number of volunteers161313130
Number of highly compensated contractors0000 
Personnel
Anderson, Fred
Title    CHAIRPERSON
Name of key/compensated person    FRED ANDERSON
Position of compensated person
Current individual trustee or director    True
Current officer    True
Average hours per week working for org    2.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Anderson, Fredrick
TitleBOARD MEMBER    
Name of key/compensated personFREDRICK T ANDERSON    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Bernhard, Austin
TitleBOARD MEMBER    
Name of key/compensated personAUSTIN BERNHARD    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Brady, Rick
TitleBOARD MEMBERMEMBERMEMBER  
Name of key/compensated personRICK BRADYRICK BRADYRICK BRADY  
Position of compensated person
Current individual trustee or directorTrueTrueTrue  
Average hours per week working for org1.001.001.00  
Reportable compensation from org$0.00$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Danielson, Donna
TitleBOARD MEMBER    
Name of key/compensated personDONNA DANIELSON    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Dietrich, Deeann
TitleBOARD MEMBERMEMBERMEMBER  
Name of key/compensated personDEEANN DIETRICHDEEANN DIETRICHDEEANN DIETRICH  
Position of compensated person
Current individual trustee or directorTrueTrueTrue  
Average hours per week working for org1.001.001.00  
Reportable compensation from org$0.00$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Distel, Brett
Title   MEMBERMEMBER
Name of key/compensated person   BRETT DISTELBRETT DISTEL
Position of compensated person
Current individual trustee or director   TrueTrue
Average hours per week working for org   1.001.00
Reportable compensation from org   $0.00$0.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
Eddy, Todd
TitleBOARD MEMBERMEMBERMEMBER  
Name of key/compensated personTODD EDDYTODD EDDYTODD EDDY  
Position of compensated person
Current individual trustee or directorTrueTrueTrue  
Average hours per week working for org1.001.001.00  
Reportable compensation from org$0.00$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Gates, Debbie
Title MEMBERMEMBERMEMBERMEMBER
Name of key/compensated person DEBBIE GATESDEBBIE GATESDEBBIE GATESDEBBIE GATES
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 1.001.001.001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Griencewic, Lana
TitleBOARD MEMBERMEMBERMEMBERCHAIRPERSONVICE-CHAIRPERSON
Name of key/compensated personLANA GRIENCEWICLANA GRIENCEWICLANA GRIENCEWICLANA GRIENCEWICLANA GRIENCEWIC
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Current officer   TrueTrue
Average hours per week working for org1.001.001.002.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Hogan, Patty
Title TREASURERTREASURERTREASURERMEMBER
Name of key/compensated person PATTY HOGANPATTY HOGANPATTY HOGANPATTY HOGAN
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Current officer TrueTrueTrue 
Average hours per week working for org 2.001.001.001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Jansen, Harold
Title    MEMBER
Name of key/compensated person    HAROLD JANSEN
Position of compensated person
Current individual trustee or director    True
Average hours per week working for org    1.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Larson, Steve
Title    TREASURER
Name of key/compensated person    STEVE LARSON
Position of compensated person
Current individual trustee or director    True
Current officer    True
Average hours per week working for org    1.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Mortimer, Angela
TitleSECRETARY    
Name of key/compensated personANGELA MORTIMER    
Position of compensated person
Current individual trustee or directorTrue    
Current officerTrue    
Average hours per week working for org2.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Mortimer, Angie
Title SECRETARYSECRETARYSECRETARYSECRETARY
Name of key/compensated person ANGIE EINERWOLD MORTIMERANGIE EINERWOLD MORTIMERANGIE EINERWOLD MORTIMERANGIE EINERWOLD MORTIMER
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Current officer TrueTrueTrueTrue
Average hours per week working for org 1.001.001.001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Mortimer, Dave
TitleBOARD MEMBERMEMBERMEMBERMEMBERMEMBER
Name of key/compensated personDAVE MORTIMERDAVE MORTIMERDAVE MORTIMERDAVE MORTIMERDAVE MORTIMER
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Perez, Daphne
Title MEMBERMEMBERMEMBERMEMBER
Name of key/compensated person DAPHNE PEREZDAPHNE PEREZDAPHNE PEREZDAPHNE PEREZ
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 1.001.001.001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Perez, Dapne
TitleBOARD MEMBER    
Name of key/compensated personDAPNE PEREZ    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Schlimgen, Patricia
TitleTREASURER    
Name of key/compensated personPATRICIA SCHLIMGEN    
Position of compensated person
Current individual trustee or directorTrue    
Current officerTrue    
Average hours per week working for org2.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Schweiger, Todd
TitleBOARD MEMBERMEMBERMEMBERMEMBERMEMBER
Name of key/compensated personTODD SCHWEIGERTODD SCHWEIGERTODD SCHWEIGERTODD SCHWEIGERTODD SCHWEIGER
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Semerad, Dave
TitleBOARD MEMBERMEMBERMEMBERMEMBERMEMBER
Name of key/compensated personDAVE SEMERADDAVE SEMERADDAVE SEMERADDAVE SEMERADDAVE SEMERAD
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Average hours per week working for org1.001.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Spain, Bonnie
TitleCEOCEOCEOCEOCEO
Name of key/compensated personBONNIE SPAINBONNIE SPAINBONNIE SPAINBONNIE SPAINBONNIE SPAIN
Position of compensated person
Current officerTrueTrueTrueTrueTrue
Average hours per week working for org50.0050.0040.0040.0040.00
Reportable compensation from org$74,863.00$74,863.00$74,863.00$80,700.00$82,895.00
Other comp, non-reportable, from org and related orgs$6,000.00$4,800.00$5,046.00$10,547.00$6,167.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Weber, Corey
TitleVICE CHAIRWOMANVICE CHAIRPERSONVICE CHAIRPERSONMEMBERMEMBER
Name of key/compensated personCOREY WEBERCOREY WEBERCOREY WEBERCOREY WEBERCOREY WEBER
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Current officerTrueTrueTrue  
Average hours per week working for org2.002.001.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Whetzal, Dennis
TitleCHAIRMANCHAIRPERSONCHAIRPERSONMEMBERMEMBER
Name of key/compensated personDENNIS WHETZALDENNIS WHETZALDENNIS WHETZALDENNIS WHETZALDENNIS WHETZAL
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrueTrue
Current officerTrueTrueTrue  
Average hours per week working for org2.002.002.001.001.00
Reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Purpose: mission, activities, & accomplishments
Mission or significant activitiesRUSHMORE CONSUMER CREDIT RESOURCE CENTER'S MISSION IS IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION.RUSHMORE CONSUMER CREDIT RESOURCE CENTER'S MISSION IS IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION.RUSHMORE CONSUMER CREDIT RESOURCE CENTER'S MISSION IS IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION.RUSHMORE CONSUMER CREDIT RESOURCE CENTERS MISSION IS IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION.RUSHMORE CONSUMER CREDIT RESOURCE CENTERS MISSION IS IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING. RUSHMORE CONSUMER CREDIT RESOURCE CENTER HAS TWO DIVISIONS: CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS AND THE AMERICAN CENTER FOR CREDIT EDUCATION.
Program service expenses, total$545,874.00$532,122.00$534,555.00$696,170.00$778,617.00
Programs, including revenue & expenses
CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS' MISSION IS HELPING IMPROVE FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE PROVIDE COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 90 MINUTES AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING. WE ARE ALSO EOUST APPROVED TO PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. IN THE COMMUNITIES WE SERVE WE PROVIDE COUNSELING SERVICES FOR 810 FAMILIES. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS.
Program expenses$378,208.00$355,415.00$324,951.00$366,475.00$379,295.00
Grants and allocations made $7,500.00   
Program revenue$152,916.00$177,053.00$183,092.00$225,231.00$243,069.00
Program descriptionCONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS' MISSION IS HELPING IMPROVE FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE PROVIDE COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 90 MINUTES AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING. WE ARE ALSO EOUST APPROVED TO PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. IN THE COMMUNITIES WE SERVE WE PROVIDE COUNSELING SERVICES FOR 810 FAMILIES. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS.CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS' MISSION IS HELPING IMPROVE FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE PROVIDE COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING. A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 90 MINUTES AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING. WE ARE ALSO EOUST APPROVED TO PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. IN THE COMMUNITIES WE SERVE WE PROVIDE COUNSELING SERVICES FOR 810 FAMILIES. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS.CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS' MISSION IS HELPING IMPROVE FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE PROVIDE COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING, A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 90 MINUTES AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING. WE ARE ALSO EOUST APPROVED TO PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. IN THE COMMUNITIES WE SERVE WE PROVIDE COUNSELING SERVICES FOR 815 FAMILIES. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS.CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS' MISSION IS HELPING IMPROVE FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE PROVIDE COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, REVERSE MORTGAGE COUNSELING, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING, A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 90 MINUTES AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING. WE ARE ALSO EOSUT APPROVED TO PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. IN THE COMMUNITIES WE SERVE WE PROVIDE COUNSELING SERVICES FOR 826 FAMILIES. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS.CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS' MISSION IS HELPING IMPROVE FINANCIAL STABILITY THROUGH COUNSELING AND EDUCATION. WE PROVIDE COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AT NO CHARGE. HOUSING SERVICES INCLUDE: PRE-PURCHASE HOUSING COUNSELING AND HOMEBUYER EDUCATION, REVERSE MORTGAGE COUNSELING, AND LOSS MITIGATION FORECLOSURE PREVENTION COUNSELING, A CERTIFIED CONSUMER CREDIT COUNSELOR MEETS WITH AN INDIVIDUAL OR FAMILY FOR 90 MINUTES AND HELPS THEM DEVELOP A PERSONALIZED ACTION PLAN TO OVERCOME THEIR HOUSING AND FINANCIAL OBSTACLES AND OBTAIN AND MAINTAIN SAFE AND AFFORDABLE HOUSING. WE ARE ALSO EOSUT APPROVED TO PROVIDE PRE-FILING CREDIT COUNSELING AND POST-FILING DEBTOR EDUCATION. IN THE COMMUNITIES WE SERVE WE PROVIDE COUNSELING SERVICES FOR 994 FAMILIES. FOR SOME INSOLVENT INDIVIDUALS AND FAMILIES THE FINANCIAL COUNSELING ASSESSMENT REVEALS THAT A DEBT MANAGEMENT PROGRAMS IS A VIABLE OPTION THAT HELPS THEM MANAGE THEIR FINANCES AND REPAY THEIR DEBTS.
THE AMERICAN CENTER FOR CREDIT EDUCATION'S MISSION IS PROVIDING FINANCIAL EDUCATION AND COUNSELING PROGRAMS THAT ASSIST INDIVIDUALS AND FAMILIES TO MANAGE FINANCIAL RESOURCES. WE DEVELOP AND PUBLISH FINANCIAL EDUCATION PROGRAMS INCLUDING CHECKWISE, CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, START RIGHT: BUILD YOUR OWN BUSINESS, MONEY & FAITH IN MOTION, MONEY IN MOTION, COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,727,6894 FINANCIAL LITERACY PROGRAMS ACROSS THE NATION. IN SOUTH DAKOTA, WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE REACHING 1,649 INDIVIDUALS.
Program expenses$167,666.00$176,707.00$209,604.00$329,695.00$399,322.00
Program revenue$140,442.00$158,438.00$173,313.00$191,743.00$319,395.00
Program descriptionTHE AMERICAN CENTER FOR CREDIT EDUCATION'S MISSION IS PROVIDING FINANCIAL EDUCATION AND COUNSELING PROGRAMS THAT ASSIST INDIVIDUALS AND FAMILIES TO MANAGE FINANCIAL RESOURCES. WE DEVELOP AND PUBLISH FINANCIAL EDUCATION PROGRAMS INCLUDING CHECKWISE, CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, START RIGHT: BUILD YOUR OWN BUSINESS, MONEY & FAITH IN MOTION, MONEY IN MOTION, COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,727,6894 FINANCIAL LITERACY PROGRAMS ACROSS THE NATION. IN SOUTH DAKOTA, WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE REACHING 1,649 INDIVIDUALS.THE AMERICAN CENTER FOR CREDIT EDUCATION'S MISSION IS PROVIDING FINANCIAL EDUCATION AND COUNSELING PROGRAMS THAT ASSIST INDIVIDUALS AND FAMILIES TO MANAGE FINANCIAL RESOURCES. WE DEVELOP AND PUBLISH FINANCIAL EDUCATION PROGRAMS INCLUDING CHECKWISE, CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, START RIGHT: BUILD YOUR OWN BUSINESS, MONEY & FAITH IN MOTION, MONEY IN MOTION, COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,696,608 FINANCIAL LITERACY PROGRAMS ACROSS THE NATION. IN SOUTH DAKOTA, WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE REACHING 1,652 INDIVDIUALS.THE AMERICAN CENTER FOR CREDIT EDUCATION'S MISSION IS PROVIDING FINANCIAL EDUCATION AND COUNSELING PROGRAMS THAT ASSIST INDIVIDUALS AND FAMILIES TO MANAGE FINANCIAL RESOURCES. WE DEVELOP AND PUBLISH FINANCIAL EDUCATION PROGRAMS INCLUDING CHECKWISE, CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, START RIGHT: BUILD YOUR OWN BUSINESS, MONEY & FAITH IN MOTION, MONEY IN MOTION, COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,663,826 FINANCIAL LITERACY PROGRAMS ACROSS THE NATION. IN SOUTH DAKOTA, WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE REACHING 2,240 INDIVDIUALS.THE AMERICAN CENTER FOR CREDIT EDUCATION'S MISSION IS PROVIDING FINANCIAL EDUCATION AND COUNSELING PROGRAMS THAT ASSIST INDIVIDUALS AND FAMILIES TO MANAGE FINANCIAL RESOURCES. WE DEVELOP AND PUBLISH FINANCIAL EDUCATION PROGRAMS INCLUDING CHECKWISE, CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, START RIGHT: BUILD YOUR OWN BUSINESS, MONEY & FAITH IN MOTION, MONEY IN MOTION, COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,619,391 FINANCIAL LITERACY PROGRAMS ACROSS THE NATION. IN SOUTH DAKOTA, WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE REACHING 2,016 INDIVDIUALS.THE AMERICAN CENTER FOR CREDIT EDUCATION'S MISSION IS PROVIDING FINANCIAL EDUCATION AND COUNSELING PROGRAMS THAT ASSIST INDIVIDUALS AND FAMILIES TO MANAGE FINANCIAL RESOURCES. WE DEVELOP AND PUBLISH FINANCIAL EDUCATION PROGRAMS INCLUDING CHECKWISE, CREDIT WHEN CREDIT IS DUE, MAKE YOUR MOVE: A GUIDE TO HOMEOWNERSHIP, START RIGHT: BUILD YOUR OWN BUSINESS, MONEY & FAITH IN MOTION, AND MONEY IN MOTION. COUNSELING IN MOTION BK EDITION, AND REBUILDING AFTER BANKRUPTCY. WE HAVE DISTRIBUTED OVER 1,562,000 FINANCIAL LITERACY PROGRAMS ACROSS THE NATION. IN SOUTH DAKOTA WE PROVIDED OUR FINANCIAL LITERACY PROGRAMS FOR AREA CLIENTS, HIGH SCHOOLS, UNIVERSITIES, NON-PROFIT ORGANIZATIONS, THE MILITARY, EMPLOYERS, CORRECTIONAL FACILITIES, JOB TRAINING, RESERVATIONS, GOVERNMENT AGENCIES AND MORE REACHING 2,386 INDIVIDUALS.
Financial data
Revenue
Total revenue$537,356.00$584,699.00$584,503.00$723,292.00$822,323.00
Revenue from contributions (total)$242,428.00$246,379.00$225,446.00$304,342.00$254,646.00
Investment income, current yr$1,888.00$2,829.00$2,652.00$1,976.00$3,240.00
Total revenue from grants, etc., current yr$242,428.00$246,379.00$225,446.00$304,342.00$254,646.00
Total unrelated business revenue$0.00$0.00$0.00$0.00$0.00
Other revenue, current yr$140,124.00$159,751.00$173,867.00$193,866.00$321,368.00
Net unrelated business taxable revenue$0.00$0.00$0.00$0.00$0.00
Program service revenue (total)$152,916.00$175,740.00$182,538.00$223,108.00$243,069.00
Gross receipts$553,185.00$604,193.00$614,418.00$748,795.00$875,552.00
Sources of contributions
Revenue from federated campaigns$32,840.00$40,643.00$32,050.00$32,450.00$32,725.00
Revenue from gov't grants$174,894.00$180,671.00$168,207.00$241,177.00$197,422.00
Revenue from all other contributions$34,694.00$25,065.00$25,189.00$30,715.00$24,499.00
Other types of revenue
Miscellaneous revenue (total)$737.00$25,356.00$554.00$2,123.00$1,973.00
Income from dividends, interest, and similar investments$1,888.00$2,829.00$2,652.00$1,976.00$3,240.00
Net rental income $0.00$0.00$0.00$0.00
Net inventory sales (total)$139,387.00$134,395.00$173,313.00$191,743.00$319,395.00
Expense categories (totals)
Total functional expenses: sum of all$656,015.00$645,187.00$644,895.00$787,719.00$881,074.00
Total functional expenses: program service $545,874.00$532,122.00$534,555.00$696,170.00$778,617.00
Total functional expenses: management and general$110,141.00$113,065.00$110,340.00$91,549.00$102,457.00
Total functional expenses: fundraising$0.00$0.00$0.00$0.00$0.00
Fees for services
Legal fees (total)$55.00$530.00 $2,746.00$240.00
Fundraising service fees (total)$0.00$0.00$0.00$0.00$0.00
Assets and liabilities
Total assets$1,348,558.00$1,475,864.00$1,521,897.00$1,607,658.00$1,685,632.00
Total assets, beginning of year$1,475,864.00$1,521,897.00$1,607,658.00$1,685,632.00$1,855,900.00
Total liabilities$316,904.00$325,551.00$311,096.00$336,465.00$350,012.00
Total liabilities, beginning of year$325,551.00$311,096.00$336,465.00$350,012.00$461,529.00
Pledges & accounts receivable, net$16,400.00$24,168.00$38,956.00$63,568.00$35,187.00
Unrestricted net assets, end of yr$1,031,654.00$1,150,313.00$1,210,801.00$1,271,193.00$1,335,620.00
Net assets$1,031,654.00$1,150,313.00$1,210,801.00$1,271,193.00$1,335,620.00
Net assets, beginning of year$1,150,313.00$1,210,801.00$1,271,193.00$1,335,620.00$1,394,371.00
Other assets$161.00$159.00$2,731.00$1,938.00$1,932.00
Cash: non-interest bearing$66,242.00$100,586.00$109,225.00$68,613.00$151,196.00
Cash: non-interest bearing, beginning of year$100,586.00$109,225.00$68,613.00$151,196.00$163,064.00
Escrow or custodial account liability$0.00$44.00$958.00$958.00$998.00
Inventories for sale or use$16,925.00$10,715.00$23,595.00$25,971.00$23,318.00
Other financial variables
Revenue less expenses-$118,659.00-$60,488.00-$60,392.00-$64,427.00-$58,751.00
Advertising (total)$25,360.00$22,627.00$26,518.00$24,843.00$19,659.00
Savings & temp cash investment$349,525.00$417,648.00$412,234.00$480,403.00$482,084.00
Accounts receivable, net$3,402.00$1,422.00$3,854.00$5,475.00$7,326.00
Prepaid expenses & deferred charges$2,165.00$1,268.00$1,126.00$1,658.00$226.00
Accounts payable & accrued expenses$51,177.00$48,603.00$42,202.00$54,886.00$44,931.00
Deferred revenue$3,000.00$2,600.00$0.00$2,500.00$17,059.00
Secured mortgages and notes payable$262,727.00$274,304.00$267,936.00$278,121.00$287,024.00
Total net assets or fund balances$1,031,654.00$1,150,313.00$1,210,801.00$1,271,193.00$1,335,620.00
Depreciation, depletion, amortization$26,160.00$28,141.00$29,856.00$35,259.00$33,156.00
Governance and accountability
Number of voting members1513131114
Number of independent voting members1512121013
Financial sheets auditedTrueTrueTrueTrueTrue
Relationships among key personnelTrueTrueTrueTrueTrue
Accrual accountingTrueTrueTrueTrueTrue
Tax year start date2016-01-012015-01-012014-01-012013-01-012012-01-01
Tax year end date2016-12-012015-12-012014-12-012013-12-012012-12-01
Metadata about the filing
E-return type: 990, 990EZ, or 990PF990990990990990
Date e-filing submitted2017-10-102016-09-142015-08-052014-10-212013-07-19
IRS schema version2016v3.02015v2.12014v5.02013v3.02012v2.1
Filing identifier201711309349303621201611329349301396201531329349303623201421639349300917201331789349300048
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