Consumer Credit Counseling Service
Are credit or money issues stressing you out?
Since 1984, Consumer Credit Counseling Service, CCCS, has been dedicated to educating and empowering individuals and families to master their finances.
To fulfill this mission, CCCS provides the following free and low-cost services:
- Individual budget counseling
- Debt management
- Community education
These consumer credit services are specifically designed to help clients take control of their financial future.
Consumer Credit Services at LSS
LSS has offices strategically located in South Dakota, offering extended day and evening hours for consumer credit counseling in-person, online or by phone.
These services are designed to help you take control of your financial future.
Financial Management/Budgeting Session
A financial management/budgeting session begins with a discussion on your financial concerns, followed by a thorough review of your income, expenses, and debt. We’ll help identify the problem(s) influencing your situation and set realistic financial goals.
After completing financial counseling you will have a detailed spending plan tailored to your situation and an action plan with the specific steps necessary to accomplish your goals.
Counseling includes referrals to other services from which you might benefit. To meet the needs of families throughout Eastern South Dakota, CCCS provides financial counseling in-person, over the phone and on-line by Certified Credit Counselors.
Debt Management Program
If you need help managing your money and getting out of debt, our Debt Management Program (DMP) may be for you.
We will work with your creditors to reduce your monthly payments and stop collection activity. The DMP allows you to make one monthly payment to CCCS, which is then disbursed to all of your creditors. Our DMP is not a debt settlement program – contact us to learn more about avoiding debt management scams.
Counselors provide confidential, thorough reviews of monthly living expenses and outstanding debts. In addition, we develop detailed action plans outlining steps to accomplish your financial goals.
It is never too late to get started on the road to financial success – and we’re here to help!
Credit Report Consultation
A Credit Report Consultation is an education-focused session that will help you understand your credit report. A certified credit counselor will thoroughly review the information with you.
Discussion topics may include:
- understanding credit reporting methods and scoring
- correcting errors
- protection against identity theft
- effective use of credit
- money management strategies that build strong reports and scores
- debt repaying strategies
The consultation fee is $30. Contact LSS Consumer Credit Counseling Service for more information on scheduling a confidential consultation.
You may obtain copies of your credit reports for a charge from each of the three major Credit Bureaus OR click on the link below to access your free credit report. Access your free credit report here.