Florida · Nonprofit
Credit Card Management Services Inc
Credit Card Management Services Inc (Florida) receives grants from 2 organizations whose IRS filings report $456,500 to it, the largest being CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE ($455,500). 1 of them have funded it in more than one year.
- Revenue FY2025
- $4.5M
- Funders on record
- 2
- Grants received
- $457k
- Net assets
- $5.9M
What Credit Card Management Services Inc does
Mission
To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their community.
As stated on its FY2025 Form 990.
Programs
Financial literacy 13,305 served. Approved to issue debt management plans in nearly all 50 states. Licensed bonded and insured. Consumers looking for relief paying back their credit cards are provided assistance with interest rates and repayment terms while on a debt management plan. Plans usually take about four years to repay and generally pay less interest and more toward the principal of the amount owed. Consumers look to improve their personal financial condition, improve credit knowledge, increase asset building and avoid personal bankruptcy.
$1,971,197 spentof which $181,056 as grants$1,947,752 earned by the program50% of program spendingComprehensive Housing Counseling and Education; 8,433 served. CCMS provides HUD approved housing counseling. Home buyers education, reverse mortgage counseling for seniors looking to convert their home equity to cash; and financial literacy group education. Estimated 250 volunteer hours. Debthelper partners with 1,300 agencies to deliver quality counseling.
$1,068,064 spentof which $311,686 as grants$1,041,832 earned by the program27% of program spendingCredit Counseling and Debtor Education EOUST bankruptcy program; 36,279 served. Approved to issue certificates of completion of credit counseling or debtor education in compliance with the bankruptcy code. Approval does not endorse or guarantee or assure the quality of the provider's services.
$664,609 spent$619,057 earned by the program17% of program spendingDebthelper provides safe decent affordable housing as a partner with the NCST program. Debthelper rents 13 affordable home primarily to low to moderate income familes via Property Holdings of CCMS, LLC.
$264,279 spent$319,884 earned by the program7% of program spending
The 4 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $3,968,149.
The organization over time
Each line starts at 100 in 2019, so what you read is the shape rather than the size: 150 means half as much again as 2019, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2020 to 2021, from $3.7M to $5.2M (+42%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2019 8% · 2020 16% · 2021 5% · 2022 6% · 2023 12% · 2024 7% · 2025 7%. Grants only. Government contracts and fees sit inside program revenue.
11% of Credit Card Management Services Inc’s revenue is contributions — more earned-revenue than three-quarters of its peers (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 7 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Who funds it, year by year
2021 → 2023: the base held at 1 funder, grant income rose $112k → $266k.
From the IRS filings of Credit Card Management Services Inc’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
Credit Card Management Services Inc leans on a few funders — its largest provides 100% of grant income and the top three 100%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
100% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund Credit Card Management Services Inc.
Largest funder’s share by year: 2021 100% · 2022 100% · 2023 100% — broadly stable.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
Credit Card Management Services Inc draws 100% of its grant income from funders outside Florida, across 2 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
Credit Card Management Services Inc holds deeper cash reserves than three-quarters of the 6,891 human services nonprofits its size.
this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025
Government funding Credit Card Management Services Inc receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $2.0M on record — $2.0M federal, $1k state.
- Department of Housing and Urban Development$2.0M
- REFUNDS - GENERAL $1k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like Credit Card Management Services Inc
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Florida
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
97% of spending goes to programs.
Governance
Public support
97%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 50 states
Part of a family of 1 related entity
- Property Holdings of CCMS LLC · disregarded
Screen this organization
A dated, signed PDF of the compliance screen for Credit Card Management Services Inc: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds Credit Card Management Services Inc?
- Credit Card Management Services Inc (Florida) receives grants from 2 organizations whose IRS filings report $456,500 to it, the largest being CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE ($455,500). 1 of them have funded it in more than one year.
- How many funders does Credit Card Management Services Inc have?
- IRS filings report 2 organizations giving $456,500 in grants to Credit Card Management Services Inc, 1 of which have funded it in more than one year.
- Who is the largest funder of Credit Card Management Services Inc?
- CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE is the largest funder on record, with $455,500 in grants. The full list of funders is on this page.
- How can an organization like Credit Card Management Services Inc find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Florida. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Credit Card Management Services →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2019–2025), and the filings of 2 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing