Consumer Credit Counseling Service of Delaware Valley
Public records show a registered, tax-exempt organization in good standing.
What it says it does
WE EMPOWER INDIVIDUALS TO ACHIEVE FINANCIAL RESILIENCE AND POSITIVELY IMPACT THEIR COMMUNITIES. OUR ENVISIONED FUTURE IS ONE IN WHICH PATHWAYS TO FINANCIAL WELLNESS ARE ACCESSIBLE TO EVERYONE.
- Income
- $6.1 million
- Spending
- $5.8 million
- Spent on programs
- 81%
- Reserves
- 11.7 months of spending
- Largest source of income
- government grants, 58%
- Employees
- 51
- Volunteers
- 28
- Highest pay
- $276,898, cfo (served until 09/2024)
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 78 out of 100. Higher than 58% of charities in its peer group (human services, $1m to $10m).
Reserves
28 of 35Spendable reserves would cover 11.7 months of spending.
Debt
10 of 20It owes 37% of what it owns.
Living within its means
15 of 15Income exceeded spending by 4% of income.
Income trend
10 of 15Income fell 1% on the year before.
Spending floor
15 of 1581% of spending went to programs and raising each dollar of donations cost 4 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 65% of charities in its peer group (human services, $1m to $10m).
Independent board
25 of 2519 of 19 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (4)
- $2.4 million spent. FINANCIAL EMPOWERMENT (PUBLIC SUPPORT): CLARIFI'S FINANCIAL EMPOWERMENT PROGRAM UTILIZES A RELATIONSHIP-BASED, CASE MANAGEMENT APPROACH TO COUNSELING INDIVIDUALS TOWARDS FINANCIAL RESILIENCE. COUNSELORS BUILD LONG-TERM RELATIONSHIPS WITH CLIENTS BASED ON EMPATHY AND TRUST, HELPING THEM SET THEIR OWN FINANCIAL GOALS SUCH AS REDUCED DEBT, IMPROVED CREDIT, AND INCREASED SAVINGS AND CREATE A STEP-BY-STEP ACTION PLAN FOR ACHIEVING THEM. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY FINANCIAL GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. SERVICES ARE OFTEN PROVIDED IN COMMUNITY-BASED LOCATIONS IN PARTNERSHIP WITH ORGANIZATIONS LIKE CAREERLINK AND CHILDREN'S HOSPITAL OF PHILADELPHIA. THERE ARE NO ELIGIBILITY REQUIREMENTS AND NO LIMITATIONS ON THE VOLUME OF SERVICE PER CLIENT. CLIENTS OFTEN RETURN FOR MULTIPLE FOLLOW-UP APPOINTMENTS. THIS METHODOLOGY INCREASES THE CHANCE THAT EACH CLIENT MAKES POSITIVE BEHAVIORAL CHANGES AND MAINTAINS FINANCIALLY HEALTHY BEHAVIORS OVER TIME, BOTH OF WHICH YIELD STRONG, MEASURABLE LONG-TERM OUTCOMES. IN 2024, CLARIFI PROVIDED 3,742 FINANCIAL EMPOWERMENT COUNSELING SESSIONS TO 2,255 UNIQUE CLIENTS. OF THOSE CLIENTS, 261 REDUCED USE OF SHORT-TERM CREDIT, 604 ESTABLISHED EMERGENCY SAVINGS, 71 ESTABLISHED A CREDIT PROFILE, 276 INCREASED THEIR CREDIT SCORE BY 35+ POINTS, AND 850 ACHIEVED AND MAINTAINED CAPACITY TO MEET BASIC NEEDS FOR 90 DAYS.
- $1.2 million spent. HOUSING (PUBLIC SUPPORT): CLARIFI'S HOUSING COUNSELING PROGRAM HELPS FAMILIES FIND, SECURE, AND MAINTAIN SAFE HOUSING. THESE SERVICES SPANTHE ENTIRETY OF THE HOUSING SPECTRUM, INCLUDING FORECLOSURE AND EVICTION PREVENTION, TENANCY PREPARATION, AND PRE-PURCHASECOUNSELING. CLARIFI'S HUD-CERTIFIED HOUSING COUNSELORS UTILIZE A CASE-MANAGEMENT MODEL TO HELP THEIR CLIENTS ACHIEVE THEIR HOUSINGGOALS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY HOUSINGGOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHERAPPOINTMENTS. RENTAL COUNSELING SERVICES INCLUDE EVICTION PREVENTION THROUGH LANDLORD/TENANT MEDIATION, LEASING EDUCATION,LANDLORD ADVOCACY (BASED IN SAFE, WARM, DRY STANDARDS), AND LEASING PREPARATION (SAVING FOR DEPOSITS, CREDIT COUNSELING, ETC.)FORECLOSURE PREVENTION SERVICES INCLUDE MORTGAGE DELINQUENCY NEGOTIATION, FORECLOSURE CONCILIATION, EMERGENCY ASSISTANCEAPPLICATIONS, AND COURT-BASED ADVOCACY IN PHILADELPHIA, MONTGOMERY AND DELAWARE COUNTIES, NEW JERSEY, AND DELAWARE. PRE-PURCHASESERVICES INCLUDE PURCHASE PLANNING AND EDUCATION, PURCHASE GUIDANCE, AND HOMEBUYER GRANT APPLICATION ASSISTANCE. IN 2024, CLARIFIPROVIDED 1,168 HOUSING COUNSELING SESSIONS TO 1,051 UNIQUE CLIENTS. OF OUR HOUSING CLIENTS, 31 PURCHASED A HOME, 84 PREVENTED ANEVICTION, AND 156 REPORTED AVOIDING FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD A SOLUTION AS OF 12/31/24.
- $941,589 spent. HOME REPAIR (PUBLIC SUPPORT): CLARIFI'S HOME REPAIR PROGRAM HELPS PHILADELPHIA HOMEOWNERS ACCESS LOW-INTEREST HOME EQUITY LOANS TO INVEST IN THEIR PROPERTIES THROUGH THE RESTORE, REPAIR, RENEW HOME PRESERVATION PROGRAM. AS THE PROGRAM'S ADMINISTRATOR, CLARIFI CONNECTS PHILADELPHIA HOMEOWNERS TO THESE LOANS SO THEY CAN FUND HOME REPAIRS FOCUSING ON HEALTH, SAFETY, WEATHERIZATION, ACCESSIBILITY AND MODERNIZATION. LENDERS PARTICIPATING IN THE PROGRAM OFFER A 10-YEAR, FIXED-RATE, 3% INTEREST HOME EQUITY TERM LOAN RANGING FROM $2,500 TO $50,000 FOR ELIGIBLE HOMEOWNERS. ADDITIONALLY, CLARIFI'S COUNSELORS MAINTAIN A LARGE REFERRAL NETWORK AND OFTEN CONNECT THEIR CLIENTS TO ADDITIONAL RESOURCES, SUCH AS LEGAL HELP FOR TANGLED TITLE ISSUES, RELIEF FUNDS FOR TAX, UTILITY OR MORTGAGE DELINQUENCY, AND FOOD AND CLOTHING ASSISTANCE. IN 2024, CLARIFI HELPED 182 HOMEOWNERS SECURE $6.92 MILLION IN HOME EQUITY LOANS TO MAKE ESSENTIAL REPAIRS TO THEIR PRIMARY RESIDENCE.
- $235,397 spent. CLIENT GRANTS (PUBLIC SUPPORT): CLARIFI'S CLIENT GRANTS PROGRAM EMPOWERS FAMILIES TO ACHIEVE A RANGE OF POSITIVE OUTCOMES THAT FINANCIAL EMPOWERMENT AND HOUSING COUNSELING ALONE CANNOT, INCLUDING RESOLVING A CRISIS AND SECURING A FOUNDATION FOR BUILDING WEALTH. CLARIFI SUPPORTS THE ADVANCEMENT OF FINANCIAL JUSTICE BY DIRECTING RESOURCES TOWARDS THE COMMUNITIES WE SERVE, HELPING THEM OVERCOME AN ACUTE CRISIS, SUPPORT ECONOMIC MOBILITY, AND BUILD SUSTAINABLE WEALTH, OFTEN IN THE FORM OF HOME OWNERSHIP. IN 2024, CLARIFI DISTRIBUTED CLIENT GRANTS TO 682 INDIVIDUALS TOTALING $1,371,656.78.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since October 1995.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.