Consumer Credit Counseling Foundation
Consumer Credit Counseling Foundation is a 501(c)(3) nonprofit founded in 2002 and headquartered in Livermore, California, offering credit counseling, Debt Management Plans, budgeting, and financial education to U.S. consumers, with 23-state licensing and ISO 9001:2025 accreditation.
- Company typePrivate
- Founded2002
- HeadquartersLivermore, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Consumer Credit Counseling Foundation does
Consumer Credit Counseling Foundation (CCCF) is a 501(c)(3) nonprofit organization founded in 2002 and headquartered in Livermore, California, providing credit counseling, debt management, and financial education services to U.S. consumers. Its core product is the Debt Management Plan (DMP), a structured repayment program that consolidates multiple creditor payments into a single monthly payment, with counselors negotiating reduced interest rates (cited at a reduction from 21% to 6%) and waived fees on behalf of the client, achieving an average 48-month program completion. The portfolio is complemented by free services including one-on-one credit counseling, budget counseling, and debt consolidation guidance, plus digital touchpoints comprising a client portal (login.cccfusa.org, powered by third-party ICCO/CreditSoft), free financial calculators, and an online financial education library.
CCCF is licensed by 23 state agencies to provide debt management services and is accredited by BSI to ISO 9001:2025, with membership in the Financial Counseling Association of America (FCAA). The organization operates with 1-10 employees and is governed by California law. Its business model is hybrid: free counseling and education services generate funnel activity and community goodwill, while the DMP produces recurring monthly fees plus a one-time setup fee, supplemented by funding and grants from creditors for counseling services. Distribution is nationwide via toll-free phone (24/7), online intake forms, and outreach partnerships with financial institutions, government agencies (including Oakland Housing Authority and Alameda County Community Action Partnership), employers, schools, nonprofits, and faith-based organizations. The organization does not disclose revenue, has no parent company, has not raised institutional funding, and has undergone no M&A or leadership transitions in the available data.
Consumer Credit Counseling Foundation firmographics
Firmographics- Name
- Consumer Credit Counseling Foundation
- Legal name
- Consumer Credit Counseling Foundation, Inc.
- Website
- https://cccfusa.org
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Consumer Credit Counseling Foundation is a 501(c)(3) nonprofit founded in 2002 and headquartered in Livermore, California, offering credit counseling, Debt Management Plans, budgeting, and financial education to U.S. consumers, with 23-state licensing and ISO 9001:2025 accreditation.
- Ownership category
- akta.pro rank
Consumer Credit Counseling Foundation industry classification
Industry- Product category
- Consumer Credit Counseling & Debt Management
- NAICS
- Consumer Lending (522291), Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Consumer Credit Counseling & Budgeting (FSAEAFAA)
- akta.pro secondary industries
- Debt Management Plans (DMP) Administration (FSAEAFAB), Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Debt Management Plans (DMP) & Consolidation Programs (FSAKAIAJ)
Keywords
Where Consumer Credit Counseling Foundation is headquartered
LocationHeadquarters
- HQ city
- Livermore
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Consumer Credit Counseling Foundation business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Debt Management Plan Fees: Monthly fees paid by clients enrolled in the Debt Management Plan (DMP), plus initial setup fees. Fee amounts are based on state of residence and accumulated debt. Some clients may qualify for reduced or waived fees.
- Creditor Funding and Grants: CCCF receives funding and grants from some creditors for the counseling and education services provided to clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Credit Counseling |
| Freemium | Monthly | Free Budgeting Services |
| Subscription | Monthly | Debt Management Plan (DMP) |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Consumer Credit Counseling Foundation product offering
Product offeringCore offering
Consumer Credit Counseling Foundation is a 501(c)(3) nonprofit that provides free credit counseling and budgeting sessions, personalized debt management advice, and a paid Debt Management Plan (DMP) that consolidates multiple unsecured debts into one monthly payment with negotiated interest-rate reductions and fee waivers. Supporting offerings include free financial calculators, online financial education resources, and outreach/workshop programs delivered to communities, schools, employers, and government partners across 23 licensed U.S. states.
Product overview
Consumer Credit Counseling Foundation (CCCF) is a nonprofit 501(c)(3) financial counseling organization offering a suite of services centered around its Debt Management Plan (DMP), which is its primary paid program. The DMP is complemented by a broad portfolio of free services — Credit Counseling, Budgeting/Budget Counseling, and Debt Consolidation guidance — all delivered through certified counselors. Additional digital touchpoints include a Client Portal (powered by ICCO/CreditSoft) for account management and AutoPay enrollment, a suite of Financial Calculators for debt payoff planning, and Financial Education Resources including articles, webinars, and newsletters. CCCF extends its reach through Outreach Programs offering in-person and virtual workshops, seminars, and coaching sessions targeting schools, community centers, nonprofits, employers, and faith-based groups. The DMP serves as the core revenue-generating product, while counseling, budgeting, and education are offered free of charge, positioning CCCF as a hybrid nonprofit service provider combining human-delivered counseling with digital self-service tools.
Differentiator
Problem solved
Functional benefit
Products and services
- Debt Management Plan (DMP) A structured, paid repayment program that consolidates multiple unsecured debts into a single monthly payment, with CCCF counselors negotiating reduced interest rates and waived fees with creditors on the client's behalf. Target users are individuals with high-interest credit card debt seeking a defined payoff path, typically completing the program in around 48 months.
- Credit Counseling A free, confidential one-on-one session with a certified credit counselor who evaluates the client's financial situation, identifies challenges, and recommends actionable solutions including budget analysis, credit report review, and personalized financial guidance. Available 24/7 by phone or internet to U.S. consumers.
- Budget Counseling A free counseling service that helps clients understand income, expenses, and spending habits, create a personalized budget plan, and develop healthier money management habits. Intended for individuals seeking to improve their financial situation regardless of debt level.
- Debt Consolidation Guidance Structured guidance on combining multiple debts into a single account or loan with potentially more favorable interest rates, including credit card balance transfers, debt consolidation loans, and nonprofit debt management plans. Targeted at consumers evaluating consolidation options.
- Financial Education Workshops and Outreach Programs Free financial education workshops, credit education workshops, debt management seminars, and financial coaching sessions delivered in-person and virtually through schools, community centers, nonprofits, faith-based organizations, and workplaces. Designed for community participants, students, employees, and partner organization constituents.
Quantifiable outcome
- Average interest rate reduction from 21% to 6% for clients enrolled in Debt Management Plan
- +3 more outcomes
Companies that use Consumer Credit Counseling Foundation
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles3 records
Consumer Credit Counseling Foundation technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Consumer Credit Counseling Foundation partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, minor and moderate.
- BSI (British Standards Institution)coreBSI provides ISO 9001:2025 accreditation for quality management systems, demonstrating CCCF's commitment to consistent, high-quality service delivery in credit counseling and debt management services.
- Financial Counseling Association of America (FCAA)coreCCCF is a member of FCAA, indicating adherence to industry standards and best practices in financial counseling. FCAA membership provides access to resources, training, and industry recognition.
- Oakland Housing AuthorityminorCommunity partnership providing housing-related financial support services to community members in the Oakland area.
- City of Oakland / Alameda County Oakland Community Action PartnershipminorLocal government partnership for community action programs and financial wellness initiatives serving Alameda County residents.
- Senior Services Coalition of Alameda CountyminorPartnership to provide financial education and counseling services to seniors in Alameda County.
- Financial Institutions (Banks and Credit Unions)moderateBanks and credit unions partner with CCCF to promote financial literacy among their members through workshops, seminars, and outreach events on credit, debt, budgeting, and savings.
- Government Agencies (Local, State, Federal)moderateGovernment agencies collaborate with CCCF to provide financial programs supporting individuals facing economic challenges, including credit counseling, debt management, and long-term financial planning for families, veterans, seniors, and low-income households.
- Nonprofit OrganizationsmoderateNonprofit partnerships expand reach into underserved communities, providing free resources, counseling, and workshops addressing budgeting, debt prevention, and consumer protection.
- Employers and CorporationsmoderateBusinesses partner with CCCF for workplace financial wellness programs including employee counseling sessions, credit education, and budgeting workshops to address employee financial stress.
- Schools and Educational InstitutionsmoderatePartnerships with schools, colleges, and youth programs deliver age-appropriate education on budgeting, saving, using credit responsibly, and avoiding debt traps for young adults.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Consumer Credit Counseling Foundation competitors and assessment
Company assessmentDirect peers
- Money Fit by DRS: Nonprofit credit counseling service (division of Debt Reduction Services) offering DMPs, credit counseling, housing counseling, and student loan counseling with multi-state licensing.
- Money Management International (MMI): One of the largest nonprofit credit counseling agencies in the U.S., providing DMPs, credit counseling, housing counseling, and financial education — closest direct competitor at greater scale.
- Apprisen (now Money Guidance): Nonprofit financial counseling agency offering credit counseling, debt management, housing counseling, and financial education across multiple states — directly comparable services.
- Consolidated Credit Counseling: Nonprofit credit counseling agency delivering debt management, credit counseling, budgeting education, and financial wellness programs — directly comparable in mission and product.
- GreenPath Financial Wellness: Nonprofit HUD-certified credit counseling agency offering DMPs, credit counseling, housing counseling, and financial education nationwide — directly comparable to CCCF across product mix and nonprofit mission.
- Take Charge America: Nonprofit credit counseling agency providing DMPs, credit counseling, housing counseling, and student loan counseling — overlapping product set and consumer audience.
- InCharge Debt Solutions: Nonprofit credit counseling agency providing debt management plans, credit counseling, bankruptcy pre-filing counseling, and financial education — overlapping services and target customers.
- Clearpoint Credit Counseling Solutions: Nonprofit credit counseling organization offering DMPs, student loan counseling, bankruptcy counseling, and housing counseling — closely comparable offerings and target audience.
- BALANCE Financial Fitness: Nonprofit financial education and credit counseling provider offering housing counseling, debt management, and bankruptcy counseling — comparable nonprofit model and customer segments.
Broad incumbents
- National Foundation for Credit Counseling (NFCC): Industry membership association for nonprofit credit counseling agencies; sets standards and provides national brand umbrella for member agencies including those offering DMPs and counseling services like CCCF.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Consumer Credit Counseling Foundation social profiles
Digital presenceConsumer Credit Counseling Foundation compliance and trust
Trust signalCompliance2 records
Consumer Credit Counseling Foundation financial estimates
Financial estimateRevenue estimate
Valuation estimate
Consumer Credit Counseling Foundation leadership team
Management profileNumber of profiles
Consumer Credit Counseling Foundation funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Consumer Credit Counseling Foundation M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Consumer Credit Counseling Foundation
What does Consumer Credit Counseling Foundation do?
Consumer Credit Counseling Foundation is a 501(c)(3) nonprofit that provides free credit counseling and budgeting sessions, personalized debt management advice, and a paid Debt Management Plan (DMP) that consolidates multiple unsecured debts into one monthly payment with negotiated interest-rate reductions and fee waivers. Supporting offerings include free financial calculators, online financial education resources, and outreach/workshop programs delivered to communities, schools, employers, and government partners across 23 licensed U.S. states.
Is Consumer Credit Counseling Foundation a public or private company?
Consumer Credit Counseling Foundation is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Consumer Credit Counseling Foundation founded?
Consumer Credit Counseling Foundation was founded in 2002. It employs 1 to 10 people.
Where is Consumer Credit Counseling Foundation based?
Consumer Credit Counseling Foundation is headquartered in Livermore, United States, in the North America region.
How does Consumer Credit Counseling Foundation make money?
Two revenue lines are on record. Debt Management Plan Fees are the primary driver. The others are creditor Funding and Grants.
Who are Consumer Credit Counseling Foundation's main competitors?
Direct peers on record are Money Fit by DRS, Money Management International (MMI), Apprisen (now Money Guidance), Consolidated Credit Counseling, GreenPath Financial Wellness, Take Charge America, InCharge Debt Solutions, Clearpoint Credit Counseling Solutions and BALANCE Financial Fitness. National Foundation for Credit Counseling (NFCC) is listed as a broad incumbent.
Does Consumer Credit Counseling Foundation have an API?
No public API is recorded for Consumer Credit Counseling Foundation.
What industry is Consumer Credit Counseling Foundation in?
Consumer Credit Counseling Foundation's product category is Consumer Credit Counseling & Debt Management. Its primary akta.pro industry code is FSAEAFAA, Consumer Credit Counseling & Budgeting, with a secondary code of FSAEAFAB, Debt Management Plans (DMP) Administration. Its NAICS code is 522291 and its SIC code is 7320.