Springboard Non-Profit Consumer Credit Management Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
The specific purpose of the corporation shall be to educate consumers on various options available to address their credit and debt issues, empower consumers to achieve long-term financial self-sufficiency, promote financial literacy, communicate to the general public best money management practices, offer other financial coaching services, develop new financial tools in support of financial education and relieve the burdens of government through various federal, state and local initiatives.
- Income
- $4.0 million
- Spending
- $5.2 million
- Spent on programs
- 71%
- Reserves
- 4.9 months of spending
- Largest source of income
- fees for its services, 44%
- Employees
- 37
- Highest pay
- $249,996, president - ceo
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Fair: 55 out of 100. Higher than 25% of charities in its peer group (human services, $1m to $10m).
Reserves
20 of 35Spendable reserves would cover 4.9 months of spending.
Debt
10 of 20It owes 32% of what it owns.
Living within its means
0 of 15Spending exceeded income by 29% of income.
Income trend
10 of 15Income fell 9% on the year before.
Spending floor
15 of 1571% of spending went to programs and raising each dollar of donations cost 0 cents.
Source: Form 990 for the year ending December 31, 2025, 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 255 of 6 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, 2025, 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 (3)
- $2.3 million spent. Housing counseling Credit.org helps consumers understand, secure, and maintain stable housing by offering unbiased guidance on renting, homebuying, budgeting, credit, foreclosure prevention, and tenant rights. Counselors work with individuals to navigate complex housing systems, avoid predatory practices, resolve landlord tenant issues, and access affordable housing programs, all with the goal of promoting long term housing stability and informed decision making.
- $1.4 million spent. Credit and Debt counselingCredit.org helps consumers understand their financial situation, improve budgeting skills, and create a realistic plan to manage or repay debt. Trained counselors review a clients income, expenses, and credit report, then offer guidance on reducing financial stress, avoiding predatory lending, and, if needed, setting up a structured debt management plan that consolidates payments and may lower interest rates.
- $1,489 spent. Debt Management Credit.org offers a structured financial counseling service which includes a comprehensive assessment of an individuals income, expenses, credit obligations, and financial challenges, and provides professional guidance on repayment strategies. Where appropriate, the counselor may recommend enrollment in a Debt Management Plan (DMP) a voluntary repayment program that consolidates unsecured debts into a single monthly payment. The purpose of the DMP is to improve financial stability, support responsible repayment, and help the individual develop long term budgeting and money management skills.
Source: Form 990 for the year ending December 31, 2025, 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 2025.
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 December 2001.
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.