2025-05-09T17:16:00-05:00 2024-12-31 464016990 THE PUN GROUP LLP 200 E SANDPOINTE AVENUE SUITE 600 SANTA ANA CA 92707 990 2024-01-01 330656671 SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC SPRI 8004318157 1450 IOWA AVENUE 200 RIVERSIDE CA 92507 CYNTHIA WILLIAMS PRESIDENT 8004318157 2025-05-09 0 FRANCES KUO P02057020 9497778800 2024 2025-03-06 01:10:19Z CYNTHIA WILLIAMS 1450 IOWA AVENUE SUITE 200 RIVERSIDE CA 92507 10548294 0 X WWW.CREDIT.ORG X 1974 CA TO PROVIDE FINANCIAL EDUCATION AND COUNSELING SERVICES, PROMOTE FINANCIAL LITERACY AND RELIEVE THE BURDENS OF GOVERNMENT THROUGH VARIOUS INITIATIVES. 5 4 45 0 0 0 5662524 1833497 3173470 2385019 396626 -135198 626409 377529 9859029 4460847 0 0 0 0 2909871 2898872 0 0 0 4846833 4444172 7756704 7343044 2102325 -2882197 9852454 5270422 3764885 1796658 6087569 3473764 X 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. 0 0 986575 998324 DEBT MANAGEMENT PLANSCREDIT.ORG OFFERS DEBT REPAYMENT PLANS (I.E., DEBT MANAGEMENT PLANS ["DMP"]) IN SITUATIONS WHERE SUCH A PLAN IS THE MOST BENEFICIAL COURSE OF ACTION FOR A PARTICULAR COUNSELEE AS AN INCIDENTAL FEATURE OF BUDGET AND DEBT COUNSELING. CREDIT.ORG USES ITS DMP PROGRAM AS AN EDUCATIONAL TOOL THAT PROVIDES INDIVIDUALS WITH AN OPPORTUNITY TO DEVELOP THE DISCIPLINE AND FINANCIAL MANAGEMENT SKILLS NECESSARY TO OVERCOME THEIR FINANCIAL PROBLEMS AND LEARN NEW SPENDING AND FAVORABLE CREDIT MANAGEMENT HABITS. 2364821 2984526 HOUSING COUNSELINGCREDIT.ORG IS APPROVED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY AND OFFERS FIRST-TIME HOMEBUYER WORKSHOPS AND INDIVIDUALIZED EDUCATION AND COUNSELING FOR PRE-PURCHASING HOMEBUYERS, FORECLOSURE PREVENTION, LANDLORD/TENANT ISSUES AND POST-PURCHASING HOMEBUYERS. 129616 136176 REVERSE MORTGAGE COUNSELING: CREDIT.ORG OFFERS REVERSE MORTGAGE COUNSELING TO ELIGIBLE CONSUMERS TO EXPLAIN THE ADVANTAGES AND DISADVANTAGES OF A REVERSE MORTGAGE INCLUDING PAYMENT OPTIONS, BENEFITS AND DRAWBACKS. 1398594 341821 1398594 341821 4879606 1 1 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 6 0 1 45 0 0 0 0 0 0 0 0 0 0 0 X 5 4 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AZ AR CA CT FL GA IL KS KY MD MA MI MN MO NH NJ NM NY NC OH OK OR PA RI SC TN UT VA WV WI X X CYNTHIA WILLIAMS 8004318157 1450 IOWA AVENUE SUITE 200 RIVERSIDE CA 92507 STACIE ANCTIL DIRECTOR 1.00 X 0 0 0 MIKE FRASCHILLA DIRECTOR 1.00 X 0 0 0 ETHAN HORN TREASURER 1.00 X 0 0 0 CYNTHIA WILLIAMS PRESIDENT - CEO 50.00 X X 184708 0 15992 JOHN PERLSTEIN SECRETARY 1.00 X 0 0 0 ROBIN HILLARY CHIEF INNOVATION OFFICER 40.00 X 150462 0 9695 MELINDA OPPERMAN CHIEF EXTERNAL AFFAIRS OFF 50.00 X 180800 0 15799 MICHELLE TAYLOR VP OPERATIONS 40.00 X 170400 0 15471 ANTHONY TODD EMERSON PRESIDENT-CEO 1.00 X 42519 0 3069 728889 0 60026 5 1 1 0 SPRINGBOARD SOCIAL ENTERPRISES 27762 ANTONIO PARKWAY SUITE L1 299 LADERA RANCH CA 92694 MANAGEMENT CONSULTING 1377541 SPERIDIAN TECHNOLOGIES 2400 LOUISIANA BOULEVARD NE BUILDI ALBUQUERQUE NM 87110 SOFTWARE CONSULTANT 219088 NATIONAL FOUNDATION FOR CREDIT COUNSELIN 2033 K STREET NW SUITE 425 WASHINGTON DC 20006 TRADE ASSOCIATION 202671 FIVE9 INC 3001 BISHOP DRIVE SUITE 350 SAN RAMON CA 94583 SOFTWARE SERVICES 174421 4 856062 977435 1833497 CREDIT AND DEBT COUNSELING 611600 1265549 1265549 DEBT MANAGEMENT FEES 611600 535502 535502 HOUSING COUNSELING 611600 451399 451399 STATE PROGRAM SERVICES 611600 104913 104913 BANKRUPTCY COUNSELING 611600 22406 22406 5250 5250 2385019 23652 23652 5928597 6087447 -158850 -158850 -158850 OTHER REVENUE 900099 377529 377529 377529 4460847 2762548 0 -135198 742118 742118 1699245 971027 728218 457509 181676 275833 365368 209000 156368 224302 79484 144818 367848 361741 6107 31141 25036 6105 60190 58350 1840 115159 115159 706426 706426 117448 83852 33596 OUTSIDE SUPPORT SERVICE 1377541 1377541 SOFTWARE MAINTENANCE AN 307883 252219 55664 SOFTWARE LICENSES 266853 232277 34576 COMMUNICATION 10040 6280 3760 493973 219538 274435 7343044 4879606 2463438 0 2987747 890874 828780 92262 121942 76492 130273 155293 1622011 1229115 516772 392896 4500904 3242191 736037 390415 29999 29999 9852454 5270422 646804 442076 294349 230880 108009 2151861 624219 735340 328005 3764885 1796658 X 5824944 3473764 262625 0 6087569 3473764 9852454 5270422 -2882197 531017 -262625 0 X X 0 1 X 1 0 X 527459 2457261 3332490 5662524 1833497 13813231 3394327 3536118 3369693 3799879 2762548 16862565 3921786 5993379 6702183 9462403 4596045 30675796 0 0 0 30675796 255091 31 396626 23652 675400 255091 31 396626 23652 675400 4176877 5993379 6702214 9859029 4619697 31351196 0.97850 0.97840 0.02150 0.02120 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 5138 2154 2984 1149382 996967 152415 30263 26757 3506 437228 203237 233991 392896 LEASE PAYABLE 328005 328005 X 4991864 531017 531017 4460847 0 4460847 7343044 0 7343044 0 7343044 PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE WITH A SIMILAR EXEMPTION UNDER CALIFORNIA STATE LAW. THE AMOUNT OF $11,246 IS INCLUDED IN TAXES AND LICENSES IN THE CONSOLIDATED STATEMENT OF FUNCTIONAL EXPENSES WHICH IS LLC FEES AND INCOME TAXES PAID TO THE STATE OF CALIFORNIA. THE ORGANIZATION UTILIZES A TWO-STEP APPROACH TO RECOGNIZING AND MEASURING UNCERTAIN TAX POSITIONS, INCLUDING UNRELATED BUSINESS INCOME TAX. THE FIRST STEP IS TO EVALUATE THE TAX POSITION FOR RECOGNITION BY DETERMINING IF THE WEIGHT OF AVAILABLE EVIDENCE INDICATES IT IS MORE LIKELY THAN NOT THAT THE POSITION WILL BE SUSTAINED ON AUDIT, INCLUDING RESOLUTION OF RELATED APPEALS OR LITIGATION PROCESSES. THE SECOND STEP IS TO MEASURE THE TAX BENEFIT AS THE LARGEST AMOUNT, WHICH IS MORE THAN 50% LIKELY OF BEING REALIZED UPON ULTIMATE SETTLEMENT. AS OF DECEMBER 31, 2024, THERE WAS NO UNCERTAIN TAX POSITION. MANAGEMENT BELIEVES THAT THE ORGANIZATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS PRIOR TO 2018. 1 X X X X X X 0 1 0 0 0 0 0 0 0 CYNTHIA WILLIAMS PRESIDENT - CEO 184708 0 0 0 0 0 6176 0 9816 0 200700 0 0 0 MELINDA OPPERMAN CHIEF EXTERNAL AFFAIRS OFF 180800 0 0 0 0 0 6914 0 8885 0 196599 0 0 0 MICHELLE TAYLOR VP OPERATIONS 170400 0 0 0 0 0 6226 0 9245 0 185871 0 0 0 ROBIN HILLARY CHIEF INNOVATION OFFICER 150462 0 0 0 0 0 1269 0 8426 0 160157 0 0 0 ANTHONY TODD EMERSON PRESIDENT-CEO 42519 0 0 0 0 0 1546 0 1523 0 45588 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING, SPRINGBOARD'S FORM 990 IS REVIEWED INTERNALLY BY THE CEO, AS WELL AS BY AN INDEPENDENT CERTIFIED PUBLIC ACCOUNTING FIRM. ONCE THESE REVIEWS ARE COMPLETE, ONE OF TWO PROCEDURES IS FOLLOWED: A. COPIES OF THE FORM 990 ARE GIVEN TO THE BOARD MEMBERS FOR REVIEW PRIOR TO THE ANNUAL MEETING. AT THE ANNUAL MEETING, FORM 990 IS DISCUSSED AND ANY QUESTIONS OR COMMENTS ARE ADDRESSED; OR B. A COPY OF THE FORM 990 IS GIVEN TO EACH BOARD MEMBER WITH A NOTICE THAT INFORMS THE BOARD MEMBER THEY SHALL HAVE A WEEK TO REVIEW THE FORM 990 AND TO SUBMIT ANY QUESTIONS OR COMMENTS TO THE CEO. THESE QUESTIONS OR COMMENTS ARE THEN ADDRESSED AND CIRCULATED TO THE BOARD MEMBERS, UNLESS THE BOARD CHAIR REQUESTS THAT A BOARD MEETING BE CONVENED AT WHICH ANY AND ALL QUESTIONS OR COMMENTS CAN BE ADDRESSED. FORM 990, PART VI, SECTION B, LINE 12C EACH BOARD MEMBER IS REQUIRED TO COMPLETE A CONFLICT FORM ANNUALLY. THE FORM CONTAINS THE COMPANY'S CONFLICTS POLICY, AS WELL AS AN AREA IN WHICH THE BOARD MEMBER DISCLOSES ANY AND ALL ORGANIZATIONS IN WHICH THE MEMBER IS A BOARD MEMBER, COMMITTEE MEMBER OR AN EMPLOYEE. ADDITIONALLY, THE MEMBER IS REQUIRED TO CERTIFY THAT, EXCEPT AS DESCRIBED IN THE FORM, THEY ARE NOT AND HAVE NOT IN THE PAST YEAR BEEN: 1.) A PARTICIPANT, DIRECTLY OR INDIRECTLY, IN ANY ARRANGEMENT, AGREEMENT, INVESTMENT, OR OTHER ACTIVITY WITH ANY VENDOR, SUPPLIER, OR OTHER PARTY DOING BUSINESS WITH SPRINGBOARD WHICH HAS RESULTED OR COULD RESULT IN PERSONAL BENEFIT TO THEM. 2.) A RECIPIENT, DIRECTLY OR INDIRECTLY, OF ANY SALARY PAYMENTS OR LOANS OR GIFTS OF ANY KIND OR ANY FREE SERVICE OR DISCOUNTS OR OTHER FEES FROM OR ON BEHALF OF ANY PERSON OR ORGANIZATION ENGAGED IN ANY TRANSACTION WITH SPRINGBOARD. KEY EMPLOYEES REVIEW THE EMPLOYEE CONFLICTS OF INTEREST POLICY ANNUALLY AND ARE REQUIRED TO ANNUALLY CERTIFY THAT THEY HAVE REPORTED IN WRITING ANY CIRCUMSTANCE THAT, SINCE THEIR LAST EXECUTION OF THE POLICY, DID OR MAY HAVE INVOLVED A CONFLICT OF INTEREST IN THE CONDUCT OF SPRINGBOARD'S BUSINESS, OR MAY HAVE CREATED THE APPEARANCE OF INVOLVING A CONFLICT OR IMPROPRIETY. THE KEY EMPLOYEE IS ALSO REQUIRED TO ATTACH TO THE SIGNED POLICY A COPY OF THE WRITING DISCLOSING THE POTENTIAL CONFLICT. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION PROCESS FOR OFFICERS AND KEY EMPLOYEES IS PERIODICALLY ESTABLISHED BY A BOARD COMPENSATION COMMITTEE. THIS COMMITTEE TAKES INTO CONSIDERATION A NUMBER OF FACTORS INCLUDING: (1) AN INDEPENDENT COMPENSATION STUDY OBTAINED BY THE COMPANY; (2) THE 990S OF OTHER SIMILAR ORGANIZATIONS; (3) INTERNALLY COMPLETED COMPENSATION STUDIES. ANNUAL COMPENSATION AND ANY MERIT INCREASES JUSTIFIED BY PERFORMANCE ARE RECOMMENDED BY THE EMPLOYEE'S DIRECT SUPERVISOR; HOWEVER, THEY ARE SUBJECT TO FINAL APPROVAL BY THE CEO, PROVIDED THEY ARE WITHIN THE COMPENSATION RANGES ESTABLISHED BY THE COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S EXEMPT APPLICATION WITH THE SUPPORTING DOCUMENTATION AND THE ANNUAL RETURN ARE MADE AVAILABLE TO THE PUBLIC BY WRITTEN REQUEST. FORM 990, PART XII, LINE 2C ALL REVIEW AND PROCESS FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT AUDITOR REMAINS CONSISTENT BETWEEN YEARS. FORM 990, PART I, SUMMARY ESTABLISHED IN 1974, SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT, INC., DBA CREDIT.ORG, IS A NONPROFIT COMMUNITY SERVICE ORGANIZATION WHOSE MISSION IS TO STRENGTHEN COMMUNITIES AND EMPOWER CONSUMERS BY OFFERING EDUCATIONAL SERVICES THAT PROMOTE FINANCIAL LITERACY, QUALITY FINANCIAL COUNSELING, DEBT MANAGEMENT SOLUTIONS, AND PATHWAYS TO AFFORDABLE HOUSING. CREDIT.ORG SERVES ALL COMMUNITY SEGMENTS REGARDLESS OF AN INDIVIDUAL'S ECONOMIC STATUS OR ABILITY TO PAY. THE AGENCY IS GOVERNED BY A VOLUNTARY AND DIVERSE COMMUNITY-BASED BOARD OF DIRECTORS AND IS ACCREDITED BY THE COUNCIL ON ACCREDITATION, A NATIONALLY RECOGNIZED INDEPENDENT ACCREDITING BODY SIGNIFYING THE HIGHEST STANDARDS FOR INDUSTRY GOVERNANCE, FISCAL INTEGRITY, COUNSELOR CERTIFICATION, AND SERVICE DELIVERY POLICIES. CREDIT.ORG'S TARGET POPULATION IS PREDOMINANTLY LOW-TO-MODERATE INCOME ("LMI") LEVEL HOUSEHOLDS. IN 2024, APPROXIMATELY 67% OF ORGANIZATION'S CLIENTS WERE LMI INDIVIDUALS AND FAMILIES. IN ADDITION, APPROXIMATELY 50% OF THE AGENCY'S COUNSELED CLIENTS IDENTIFIED AS RACIAL AND ETHNIC MINORITIES. DURING THEIR COUNSELING SESSION, 4% OF CLIENTS CHOSE NOT TO PROVIDE THEIR RACE AND/OR ETHNICITY. THESE FIGURES DO NOT INCLUDE PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION OR WORKSHOPS WHERE DEMOGRAPHIC INFORMATION IS NOT REQUESTED. IN 2024, CREDIT.ORG PROVIDED DIRECT SERVICES TO 46,406 CONSUMERS, INCLUDING 10,363, IN FINANCIAL LITERACY AND EDUCATION PROGRAMS; 4,168 IN HOUSING COUNSELING; 3,168 IN CREDIT COUNSELING AND DEBT MANAGEMENT PROGRAMS; 4,707 IN WEB-BASED HOMEBUYER EDUCATION COURSES AND ONE-ON-ONE ADVISORY SESSIONS TO ADDRESS THE INDIVIDUAL'S UNIQUE HOUSING GOALS; AND 24,000 IN HOMEOWNERS' ASSISTANCE PROGRAMS FOR THE STATES OF CONNECTICUT AND MASSACHUSETTS. PUBLIC AWARENESS AND EDUCATIONAL MATERIALS CREDIT.ORG PROMOTES AND SEEKS TO RAISE PUBLIC AWARENESS OF ITS COUNSELING SERVICES AND THE AVAILABILITY OF ITS FINANCIAL LITERACY PROGRAMS AND MATERIALS THROUGH VARIOUS FORMS OF MEDIA, INCLUDING PRINTED MATERIALS AND THE INTERNET. IN 2024, THESE EFFORTS RESULTED IN 315,108 VISITORS TO CREDIT.ORG'S WEBSITE, OF WHICH 99.5% WERE NEW USERS AND 0.5% WERE RETURNING VISITORS. CREDIT.ORG HAD OVER 197,049 VISITORS ACCESSING ITS EDUCATIONAL BLOG CONTENT, TOOLS, AND VARIOUS OTHER FINANCIAL RESOURCES, WITH ANOTHER 335,363 TOTAL PAGE VIEWS OF THE EDUCATIONAL COURSES LANDING PAGE. IN FURTHERANCE OF ITS EXEMPT CHARITABLE MISSION, CREDIT.ORG UNDERTOOK THE FOLLOWING ACTIVITIES: ITEM A - COUNSELING AND EDUCATION CREDIT.ORG'S COUNSELING AND EDUCATIONAL SERVICES INCLUDE BUDGET COUNSELING; EDUCATIONAL PROGRAMS, SEMINARS, AND MATERIALS FOR FINANCIALLY DISTRESSED CONSUMERS TO ASSIST WITH MONEY MANAGEMENT, DEBT EDUCATION, AND UNDERSTANDING CREDIT; PRE-BANKRUPTCY COUNSELING; PRE-DISCHARGE DEBTOR EDUCATION; REVERSE MORTGAGE AND HOUSING COUNSELING; FORECLOSURE PREVENTION HOUSING COUNSELING; AND GENERAL CREDIT AND DEBT COUNSELING. CREDIT.ORG'S SERVICES ARE FREE, EXCEPT FOR PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION, PRE-PURCHASE HOMEBUYER EDUCATION, CREDIT REPORT REVIEWS, STUDENT DEBT COUNSELING, SOME HOMEBUYER EDUCATION COURSES AND REVERSE MORTGAGE COUNSELING FOR WHICH THERE ARE MINIMAL CHARGES. CREDIT.ORG COACHES/COUNSELORS HAVE THE DISCRETION TO WAIVE OR REDUCE RELATED CHARGES THROUGH CONSIDERATION OF AN INDIVIDUAL'S PERSONAL FINANCIAL SITUATION AND ABILITY TO PAY BASED ON THE BUDGET ANALYSIS REVIEWED BY THE COUNSELOR. IN 2024, CREDIT.ORG WAIVED OR REDUCED FEES TOTALING $1,622 FOR 12 PRE-BANKRUPTCY COUNSELING SESSIONS AND 28 PRE-DISCHARGE DEBTOR EDUCATION CLIENTS. "HOUSING COUNSELING" CREDIT.ORG IS APPROVED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY THAT PROVIDES PRE-PURCHASE/FIRST-TIME HOMEBUYER EDUCATION, LANDLORD/TENANT RENTAL COUNSELING POST-HOME BUYER COUNSELING AND REVERSE MORTGAGE COUNSELING. "BUDGET AND DEBT COUNSELING" CREDIT.ORG PROVIDES GENERAL FINANCIAL LITERACY COUNSELING DESIGNED TO HELP COUNSELEES UNDERSTAND THE CAUSES OF FINANCIAL STRESS AND LEARN HOW TO TRACK AND EVALUATE SPENDING. THIS COUNSELING SERVICE INCLUDES CREATING A STEP-BY-STEP PERSONALIZED BUDGET, TIPS TO HELP STAY WITHIN BUDGET, AND AN ACTION PLAN AND OPTIONS TO HELP COUNSELEES MANAGE THEIR FINANCES MORE EFFECTIVELY. "DEBT MANAGEMENT PLAN" CREDIT.ORG OFFERS DEBT REPAYMENT PLANS (I.E., DEBT MANAGEMENT PLANS ["DMP"]) IN SITUATIONS WHERE SUCH A PLAN IS THE MOST BENEFICIAL COURSE OF ACTION FOR A PARTICULAR COUNSELEE AS AN INCIDENTAL FEATURE OF BUDGET AND DEBT COUNSELING. CREDIT.ORG USES ITS DMP PROGRAM AS AN EDUCATIONAL TOOL THAT PROVIDES INDIVIDUALS WITH AN OPPORTUNITY TO DEVELOP THE DISCIPLINE AND FINANCIAL MANAGEMENT SKILLS NECESSARY TO OVERCOME THEIR FINANCIAL PROBLEMS AND LEARN NEW SPENDING AND FAVORABLE CREDIT MANAGEMENT HABITS. ITEM B - COMMUNITY EDUCATION WORKSHOPS IN 2024, THE CREDIT.ORG TRAINING TEAM CONDUCTED 50 WORKSHOPS AND EDUCATED 547 CONSUMERS THROUGH "LIVE" VIRTUAL SETTINGS (ZOOM, ETC.), REACHING CONSUMERS WELL BEYOND ITS TRADITIONAL SOUTHERN CALIFORNIA ROOTS. THROUGH THE AGENCY'S ONLINE DISTANCE EDUCATION LEARNING PORTAL REFERRED TO AS THE FINANCIAL INSTRUCTIONAL TRAINING ("FIT") ACADEMY, CREDIT.ORG OFFERS CONSUMERS THE ABILITY TO EXPAND THEIR KNOWLEDGE AND UNDERSTANDING OF MONEY MATTERS FROM THE PRIVACY OF THEIR HOMES WHILE WORKING AT THEIR OWN PACE; 8,732 CONSUMERS SIGNED ON TO UTILIZE THE ONLINE PLATFORM. STATISTICAL ANALYSIS OF PRE- AND POST-TEST TAKERS OF FIT ACADEMY PROGRAMS REFLECTED A 31% AVERAGE INCREASE IN KNOWLEDGE GAINED. IN 2024, THE PRE-TEST AVERAGE SCORE WAS 68% AND THE POST-TEST AVERAGE SCORE WAS 89%, TRANSLATING TO AN INCREASE IN LETTER GRADE FROM "D+" TO "B+." AT THE COMPLETION OF EACH CLASS, PARTICIPANTS RECEIVE RECOGNITION VIA A DOCUMENT OF ACHIEVEMENT. THE FIT ACADEMY HAS REACHED 72,935 CONSUMERS IN THE LAST ELEVEN YEARS. AWARD-WINNING EDUCATION THE ORGANIZATION HAS RECEIVED MORE THAN A DOZEN AWARDS IN THE FINANCIAL LITERACY FIELD FOR ITS ACCOMPLISHMENTS IN PURSUIT OF EXCELLENCE AND PROMOTION OF CONSUMER FINANCIAL HEALTH. CREDIT.ORG HAS WON SEVEN NATIONAL EDUCATION AND COUNSELOR OF THE YEAR AWARDS FROM THE NATION'S LARGEST AND LONGEST-SERVING NONPROFIT FINANCIAL COUNSELING TRADE ASSOCIATION, THE NATIONAL FOUNDATION FOR CREDIT COUNSELING. MOBILE OUTREACH VALUABLE EDUCATION ("MOVE") CREDIT.ORG PROVIDES AND PROMOTES FINANCIAL LITERACY EDUCATION THROUGH CLASSES AND WORKSHOPS THROUGH ITS MOVE TAKE-IT-TO-THE-STREETS INITIATIVE. THIS EFFORT SERVES THE COMMUNITY BY CONDUCTING IN-PERSON ON-SITE WORKSHOPS FOR MOSTLY LMI ATTENDEES IN ENGLISH AND/OR SPANISH. MORE RECENTLY, MOVE ACTIVITIES HAVE ADDED VIRTUAL WORKSHOPS HELD VIA ZOOM WHERE PARTICIPATION HAS INCREASED. "AMERICA SAVES WEEK 2024" AMERICA SAVES WEEK ("ASW") IS AN ANNUAL MOVEMENT STARTED IN 2007 BY THE NONPROFIT CONSUMER FEDERATION OF AMERICA WHICH SEEKS TO PROMOTE FISCAL RESPONSIBILITY AND AWARENESS, GOOD SAVING HABITS, AND FINANCIAL LITERACY PARTICULARLY FOR LMI INDIVIDUALS CREDIT.ORG MANAGES TWO LOCAL AMERICA SAVES CAMPAIGNS, INLAND EMPIRE SAVES (WWW.IESAVES.ORG) AND SAN DIEGO SAVES (WWW.SDSAVES.ORG) AND SERVES AS LOCAL CAMPAIGN COORDINATOR FOR THE CALIFORNIA COUNTIES OF RIVERSIDE, SAN BERNARDINO, AND SAN DIEGO. IN 2024. CREDIT.ORG'S CAMPAIGN WAS ONE OF ONLY 19 RECIPIENTS TO BE HONORED OUT OF 4,600 ORGANIZATIONS WITH THE SAVINGS CHAMPION AWARD FOR ASW 2024. ITEM C - FREE EDUCATIONAL MATERIALS AVAILABLE TO THE PUBLIC "CREDIT.ORG NEWSLETTER AND BLOG POSTS" CREDIT.ORG'S WEEKLY NEWSLETTER IS SENT VIA EMAIL TO THOSE WHO SIGNED UP AT CREDIT.ORG'S WEBSITE AND CLIENTS WHO PREVIOUSLY RECEIVED COUNSELING. THE NEWSLETTER COVERS A VARIETY OF WAYS TO SAVE MONEY, INCLUDING FOOD, ENTERTAINMENT, CELEBRATIONS, AND HOME IMPROVEMENTS. THE ARTICLES FROM THE NEWSLETTER ARE CATALOGED ON THE AGENCY'S WEBSITE AND ARE AVAILABLE FREE OF CHARGE. FOR THE LATTER HALF OF 2024, CREDIT.ORG TRANSITIONED FROM ITS WEEKLY NEWSLETTER TO BLOG POSTS. "PUBLICATIONS AND FINANCIAL LITERACY WORKSHEETS" CREDIT.ORG HAS AUTHORED A VARIETY OF PUBLICATIONS AND BUDGETING WORKSHEETS TO HELP CONSUMERS MANAGE THEIR PERSONAL FINANCES, AVAILABLE FOR FREE AND DOWNLOADABLE FROM THE AGENCY'S WEBSITE, INCLUDING; BUDGETING 101 BUDGET 911 SURVIVING A JOB LOSS OR REDUCED INCOME COUPLES AND MONEY THE POWER OF PAYCHECK PLANNING SURVIVING THE HOLIDAYS THE WISE USE OF CREDIT RAISING A MONEY-SMART CHILD UNDERSTANDING YOUR CREDIT REPORTS AND SCORES ROADMAP TO FINANCIAL FREEDOM IDENTITY THEFT AWARENESS AND PREVENTION PREDATORY LENDING - DON'T BE A VICTIM! DEALS FOR WHEELS UNDERSTANDING & OVER COMING LOAN DENIAL BASICS OF FINANCIAL PLANNING ESSENTIAL COUPONING PRESERVING HOMEOWNERSHIP, FORECLOSURE PREVENTION (ENGLISH) CONSERVE SU CASA EVITE EL EMBARGO HIPOTECARIO (SPANISH) CONSUMER GUIDE TO GOOD CREDIT (ENGLISH) GUIA DEL CONSUMIDOR PARA BUEN CREDITO (SPANISH) SPRINGBOARD SOLUTIONS LLC 1450 IOWA AVENUE NO 200 RIVERSIDE CA 92507 273130421 GOVERNMENT CONTRACTING CA 0 0 SPRINGBOARD NONPROFIT CONSUMER