CRISS CROSS

What CRISS CROSS does

CRISS CROSS is listed in firmographics as a small (11-employee) entity headquartered in Beaumont, TX, with a web presence at crisscross.org. The analytical source material describes operations consistent with a nonprofit consumer credit counseling organization — branded in the source as Money Management International (MMI) — rather than a description of CRISS CROSS itself. The operating entity provides structured debt relief and financial education services to US individual consumers. Core products include a Debt Management Plan (DMP) that negotiates interest-rate reductions and consolidates payments into a single monthly obligation, and a Debt Resolution Plan (DRP) that negotiates partial-payoff settlements with creditors. Supporting specialty services cover bankruptcy counseling, disaster recovery, homebuyer, reverse mortgage, and student loan counseling, plus free educational content (blog, budget guides, podcast, webinars, workshops).

The underlying technology is a counselor-assisted financial review platform with a custom savings calculator that generates individualized estimates based on user-supplied expenses, debts, and income, plus DMP and DRP administration systems that handle creditor negotiations. There are no disclosed AI/ML components, APIs, or integration ecosystem. The go-to-market is sales-led: certified counselors deliver personalized financial reviews via online portal, phone (866-889-9347), chat, and email. Revenue mechanics combine a one-time DMP setup fee (capped at $75) with a recurring monthly DMP fee (capped at $69) and transaction-based fees on DRP settlements. Pricing is published transparently, consistent with the 501(c)(3) nonprofit positioning. The entity is headquartered in Stafford, TX in the described operating context, operates exclusively in the United States, and holds 501(c)(3) status alongside HUD, NFCC, FCAA, and COA credentials.

Note: The firmographic record attributes 11 employees and a Beaumont, TX address to CRISS CROSS, while the substantive operating data describes a Stafford, TX-based nonprofit credit counseling organization. The relationship between the two entities is not stated in the source material, and the investment-relevant scale metrics for the 11-employee CRISS CROSS entity specifically are not disclosed.

Name

CRISS CROSS

Legal name

Money Management International

Website

https://crisscross.org

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

CRISS CROSS is a small US entity (11 employees, Beaumont, TX) for which the available data references nonprofit consumer credit counseling operations providing debt management, debt resolution, and specialty financial counseling services to individual consumers across the United States.

Ownership category

akta.pro rank

Product category

Consumer Credit Counseling Services

NAICS

Other Activities Related to Credit Intermediation (522390)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

akta.pro secondary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

Keywords

• Debt management
• Credit counseling
• Financial education
• Debt resolution
• Bankruptcy counseling

Headquarters

HQ city

Stafford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Debt Management Plan Fees: Low-cost fees for debt management plan services including initial set-up fee ($75 maximum) and ongoing monthly fee ($69 maximum). Actual fees based on location and debt level.
2. Debt Resolution Plan Services: Fees for debt resolution/negotiation services provided at lower cost than for-profit alternatives. Client pays partial repayment of outstanding debt.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels14 records

Core offering

CRISS CROSS (operating as Money Management International / MMI) is a 501(c)(3) nonprofit credit counseling organization that delivers debt management and debt resolution plans, online and in-person financial counseling, and a portfolio of specialty counseling services (bankruptcy, homebuyer, reverse mortgage, student loan, disaster recovery). Counselors work with creditors to negotiate lower interest rates and consolidate debts into a single monthly payment, supported by free financial education resources including blog content, webinars, podcasts, and workshops.

Product overview

Money Management International (MMI) is a nonprofit financial counseling organization offering a portfolio of debt relief and financial education services. The core offerings include two distinct debt solutions: a Debt Management Plan (DMP) that reduces interest rates and consolidates payments through creditor negotiation, and a Debt Resolution Plan (DRP) that settles debts for partial repayment. These core products are supported by specialty counseling services including bankruptcy, disaster recovery, homebuyer, reverse mortgage, and student loan counseling. MMI also provides free financial education resources including blog posts, budget guides, podcasts, webinars, workshops, and online courses. All services are delivered through certified counselors via online counseling, phone, chat, and email channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Management Plan (DMP) A structured debt repayment program for consumers overwhelmed by high-interest unsecured debt, in which certified counselors negotiate rate reductions with creditors and consolidate payments into a single affordable monthly amount, typically completed within five years.
• Debt Resolution Plan (DRP) A debt settlement service where the organization negotiates with creditors on behalf of consumers for partial repayment of outstanding balances, leading to a smaller and more manageable monthly payment until the agreed payoff is reached.
• Online Counseling A digital financial counseling offering that lets consumers complete a financial review online and communicate with a counselor via chat or email to receive personalized savings recommendations.
• Bankruptcy Counseling Pre-filing and pre-discharge counseling and certificates for individuals facing or pursuing bankruptcy, helping them understand options and chart a course forward.
• Disaster Recovery Counseling Financial counseling for individuals recovering from disasters that have impacted their home or employment, helping them understand available assistance and recovery options.
• Homebuyer Counseling Counseling for prospective homebuyers to help them navigate the home purchasing process and make informed financial decisions.
• Reverse Mortgage Counseling Counseling for individuals considering reverse mortgages, helping them understand the implications, terms, and options available before proceeding.
• Student Loan Counseling Financial counseling focused specifically on student loan management, repayment strategies, and consolidation options.
• Financial Review A free initial financial assessment that reviews a consumer's debt, expenses, income, and budget to provide custom recommendations with estimated savings and repayment timelines.
• Financial Education Resources A free library of educational resources covering personal finance topics, including blog posts, budget guides, podcasts, webinars, workshops, online homebuyer courses, and specialized financial education for military families.

Quantifiable outcome

• Average credit score improvement of 82 points after completing DMP program
• +4 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• National Foundation for Credit Counseling (NFCC)coreStrategic or Co-development PartnerMMI is a longstanding member of the National Foundation for Credit Counseling (NFCC), the nation's largest nonprofit financial counseling organization. Founded in 1951, the NFCC promotes financially responsible behavior and helps member organizations deliver high-quality financial education and counseling services.
• Council on Accreditation (COA)coreStrategic or Co-development PartnerMMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA's peer-reviewed accreditation process ensures MMI provides the highest standard of service and support.
• Financial Counseling Association of America (FCAA)coreStrategic or Co-development PartnerMMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
• U.S. Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerMMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all, supporting approved local agencies like MMI.
• Better Business Bureau (BBB)minorStrategic or Co-development PartnerMMI maintains BBB accreditation, indicating the business meets BBB standards for trustworthiness and transparency.
• Consumer AffairsminorStrategic or Co-development PartnerMMI maintains verified ratings on the Consumer Affairs platform for customer reviews and ratings.
• Google My BusinessminorStrategic or Co-development PartnerMMI maintains a Google My Business profile with customer ratings and reviews.
• TrustpilotminorStrategic or Co-development PartnerMMI maintains a Trustpilot rating page for customer reviews and business ratings.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GreenPath Financial Wellness: Nonprofit HUD-certified credit counseling agency offering debt management plans, housing counseling, bankruptcy counseling, and financial education — directly overlapping MMI's full service portfolio and target consumer segment.
• Cambridge Credit Counseling: Nonprofit credit counseling agency offering DMPs, debt consolidation, and financial education services — smaller-scale but operationally equivalent nonprofit competitor to MMI.
• American Consumer Credit Counseling (ACCC): Nonprofit credit counseling agency with DMP enrollment, debt resolution, housing counseling, and financial education services targeting the same over-indebted consumer base as MMI.
• Consolidated Credit Counseling: Nonprofit credit counseling organization offering DMPs, debt consolidation guidance, housing counseling, and financial education — directly comparable mission and product set to MMI.
• Clearpoint Credit Counseling Solutions: Nonprofit credit counseling agency providing DMPs, housing and student loan counseling, and financial education; operates nationally and competes head-to-head with MMI on the same mission-driven value proposition.
• InCharge Debt Solutions: 501(c)(3) nonprofit credit counseling organization offering debt management, housing, bankruptcy, and student loan counseling — closely mirrors MMI's product mix and nonprofit positioning.

Emerging players

• National Debt Relief: Leading for-profit debt settlement company that negotiates partial creditor payoffs — competes with MMI's Debt Resolution Plan for the same consumer segment but with a fundamentally different (faster, higher-fee) business model.
• MoneyLion: Digital personal finance platform offering credit-building loans, credit tracking, and financial content — a fintech disruptor addressing the same financially stressed consumer demographic as MMI through a self-serve, app-first model.
• Accredited Debt Relief: For-profit debt settlement company targeting consumers with high credit card balances — competes with MMI's Debt Resolution Plan in the same acquisition channels.

Others

• NFCC (National Foundation for Credit Counseling): National trade association that MMI belongs to; sets standards and accredits member credit counseling agencies, providing infrastructure and referral flow that shapes the broader nonprofit counseling market in which MMI operates.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/moneymanagement
• YouTubeyoutube.com/user/MoneyManagementInt
• Facebookfacebook.com/moneymanagementint
• LinkedInlinkedin.com/company/criss-cross
• Instagraminstagram.com/moneymanagementint

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CRISS CROSS