The success of CCCS
Dallas can be traced to one consistent thought: Focus
on the client. From our inception that goal has been prominent. No decision is made
without considering the impact it will have on the consumer.
Over three decades of commitment have resulted in our
agency being a recognized leader
in the industry, and have allowed us to serve tens
of thousands of consumers.
To say that we were a pioneer in the industry
is an understatement. Today there are close
to 1,000 credit counseling agencies. A short decade
ago, there were approximately 200. Thirty-one years
ago when we began, there were but a handful. Through
the years, we have been on the cutting edge of such
advancements as multiple counseling options (in-person,
by phone, online), multiple payment options (money
order, cashier's check, bank draft, debit card), online
account access, and daily payments to creditors. Each
of these enhancements was adopted as a benefit to our
Adhering to the highest business standards,
CCCS became an accredited agency in
1992, and has maintained that accreditation ever since.
The Council on Accreditation, an independent third party,
oversees the process, which includes an examination
of 39 service standards as well as onsite visits by
peer reviewers. Additionally, to provide the highest
level of financial counseling, in 1989 we began requiring
that all of our counselors become Certified
Consumer Credit Counselors. The National Foundation
for Credit Counseling administers the testing that covers
6 books on a broad range of counseling related subjects.
Every CCCS Dallas counselor is required to become certified
within 12 months of employment, and is expected to maintain
that certification through earning Professional Development
Whereas our Education
Department began as an army of 1 in 1990, today
we have a complete staff of trained educators and presenters
making approximately 1,500 presentations each year in
both English and Spanish. Through their efforts,
we reach 30,000-40,000 consumers annually with the good
news that financial wellness is within their grasp..
Furthermore, our strong online educational presence,
including the award-winning Money$mart*Credit$mart,
provides the tools for managing credit and money for
many thousands more.
Since a home is normally a person's
largest investment, we put a strong emphasis on Housing
Counseling. CCCS Dallas is a HUD approved agency,
having received HUD housing grants since 1979. We routinely
work with lenders and consumers to either prevent or
resolve a housing problem. Additionally, we are a leader
in Reverse Mortgage counseling, with
the largest number of counselors in any one agency participating
in the AARP Reverse Mortgage Education Project.
Realizing that confusing financial
situations occur in people's lives even if they don't
have debt, in 2004 we developed Life Events
Counseling. We live in a fast-paced, often
changing economic environment that complicates an individual's
ability to make sound financial decisions, particularly
in a time of stress. To be responsive to consumers'
needs, in-depth materials were developed on a variety
of topics including Surviving Job Loss, Divorce, Single
Parenting, Identity Theft, and Buying a Home.
CCCS is a known leader in
technology, and is routinely asked for advice
by agencies internationally. Our system and related
controls allow us to deliver our services in the most
up-to-date and efficient manner with respect to both
clients and creditors. Recognizing the rapidly changing
demands of our industry, in 1994 we created TruAccess,
an arm of our company that extends our technological
expertise by providing financial and electronic data
interchange for over 35 other agencies around the nation.
We remit electronic payments and data each month for
thousands of clients served by our partner agencies.
Yes, we've come a long way since 1974, and there have
been many positive changes. Nonetheless, the one thing
that has remained the same is the unwavering resolve
to keep our clients at the heart of everything we do.
That philosophy has been successful for over 30 years,
and will continue to be our guide.