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Consumer Credit of Des Moines

EIN 42-1301505 · Des Moines, IA

Public records raise at least one point you should look into before giving.

LegitimacyCautionRegistration and standingFinancial healthStrong93 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

ASSIST AND EDUCATE CLIENTS IN DEVELOPING PLANS TO REPAY & REDUCE EXCESSIVE PERSONAL INDEBTEDNESS.

Income
$1.7 million
Spending
$1.3 million
Spent on programs
62%
Reserves
25.2 months of spending
Largest source of income
fees for its services, 87%
Employees
12
Volunteers
0
Highest pay
$114,426, executive director

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

Strong: 93 out of 100. Higher than 80% of charities in its peer group (human services, $1m to $10m).

  • Reserves

    35 of 35

    Spendable reserves would cover 25.2 months of spending.

  • Debt

    20 of 20

    It owes 11% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 27% of income.

  • Income trend

    15 of 15

    Income rose 17% on the year before.

  • Spending floor

    8 of 15

    62% 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 25

    4 of 7 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports 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)
  1. $720,128 spent. THE ORGANIZATION PROVIDES ASSISTANCE TO CONSUMERS SEEKING CREDIT COUNSELING, BUDGET AND FINANCIAL ADVICE, AND OFFERS A DEBT MANAGEMENT PROGRAM WHERE APPROPRIATE. THE ORGANIZATION FOLLOWS THE REQUIRED CRITERIA FOR EXEMPTION UNDER INTERNAL REVENUE CODE SECTION 501(Q). DURING 2025, THE ORGANIZATION PROVIDED FREE BUDGET AND CREDIT COUNSELING TO OVER TWO THOUSAND INDIVIDUALS AND FAMILIES WITH APPROXIMATELY 876 ELECTING TO ENTER INTO A DEBT MANAGEMENT PLAN AGREEMENT WITH THE ORGANIZATION. DURING 2025, 301 INDIVIDUALS SUCCESSFULLY COMPLETED THEIR DEBT MANAGEMENT PLANS ADMINISTERED BY THE ORGANIZATION, PAYING OFF ALL THEIR UNSECURED DEBTS IN FULL.
  2. THE ORGANIZATION PROVIDES PRE-BANKRUPTCY COUNSELING TO INDIVIDUAL PARTICIPATING IN THE UNITED STATES TRUSTEE'S PROGRAM.THE ORGANIZATION IS AN APPROVED NONPROFIT BUDGET AND CREDIT COUNSELING AGENCY, HAVING RECEIVED ITS INITIAL APPROVAL AS SUCH FROM THE U.S. DEPARTMENT OF JUSTICE, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES, IN 2006. IN 2025, THE ORGANIZATION CONDUCTED 99 PRE-BANKRUPTCY COUNSELING SESSIONS, AND THE ORGANIZATION WAIVED OR REDUCED THE ALLOWABLE STATUTORY FEES FOR PRE-BANKRUPTCY COUNSELING IN 23% OF ALL CASES DUE TO CLIENT'S LIMITED RESOURCES OR FINANCIAL HARDSHIP.THE ORGANIZATION ALSO PROVIDES POST-BANKRUPTCY DEBTOR EDUCATION. INDIVIDUALS PARTICIPATING IN THE UNITED STATES TRUSTEES' PROGRAM. THE ORGANIZATION IS AN APPROVED PROVIDER OF A PERSONAL FINANCIAL MANAGEMENT COURSE, HAVING RECEIVED ITS INITIAL APPROVAL AS SUCH FROM THE U.S. DEPARTMENT OF JUSTICE, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES IN 2011. IN 2021, THE ORGANIZATION FACILITATED POST-BANKRUPTCY DEBTOR EDUCATION COURSES, IN CERTAIN CASES THE ORGANIZATION WAIVED FEES DUE TO THE CLIENTS LIMITED RESOURCES OR FINANCIAL HARDSHIP.
  3. $60,000 spent. THE ORGANIZATION PRESENTS FREE EDUCATIONAL SEMINARS CONCERNING CREDIT COUNSELING, BUDGETING AND FINANCIAL PLANNING TO THE GENERAL PUBLIC THROUGHOUT THE YEAR.THE ORGANIZATION CONTINUED ITS LONG HISTORY OF PROVIDING FREE EDUCATION PROGRAMS TO THE GENERAL PUBLIC DURING 2025. THE ORGANIZATION CONDUCTED IN-PERSON PRESENTATIONS ON VARIOUS CONSUMER CREDIT, BUDGETING AND PERSONAL FINANCE SUBJECTS TO NUMEROUS GROUPS.IN ADDITION, THE ORGANIZATION MAINTAINS A VAST ELECTRONIC EDUCATION LIBRARY ON ITS WEBSITE, WHERE INDIVIDUALS CAN ACCESS INFORMATIONAL MATERIALS COVERING TOPICS ADDRESSING PERSONAL FINANCE AND FINANCIAL LITERACY. RESPONSIBILITY. THE ORGANIZATION TRACKS THE NUMBER OF "HITS" THE WEBSITE LIBRARY RECEIVES.

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

  1. 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.

  2. 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 November 6, 2026.

  3. 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.

  4. 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.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since April 1997.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Caution.

    California's Attorney General lists its registration as revoked as of December 31, 2001. Organizations on this list may not solicit donations in California.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 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.