Rushmore Consumer Credit Resource

“It is our policy to provide the 990 to the full board prior to filing. Copies are distributed at a regular board meeting and approved by the full board prior to filing. The board chairman or the ceo signs the 990.”

“Board members sign a board pledge annually. Board members and key staff are required to disclose any potential conflicts of interest and sign a conflict of interest form annually. If a board member has a potential conflict of interest, they must recuse themselves from participating in any vote taken in respect to such transaction or service of interest. After disclosing the possible conflict, the board investigates alternatives to the proposed transaction.”

“The ceo prepares a compensation analysis each year based on regional data. This analysis is reviewed by the personnel committee and adjustments are made as necessary. The personnel committee then recommends a range of salary increases based on the budget for approval by the full board of directors.”

“The ceo prepares a compensation analysis each year based on regional data. This analysis is reviewed by the personnel committee and adjustments are made as necessary. The personnel committee then recommends a range of salary increases based on the budget for approval by the full board of directors.”

“These documents are provided to the united way as well as the council on accredidation for children and families, hud, sd housing development authority, and the national foundation for credit counseling. They are also available upon request. The audited financial statements and form 990 are also available on the organization's website.”

“Consumer credit counseling service of the black hills provides comprehensive financial and housing counseling at no charge. Housing services include: homeless assistance, rental topics, prepurchase/homebuying, home maintenance and financial management non-delinquent post purchase, and resolving or preventing mortgage delinquency of default. A certified consumer credit counselor meets with an individual or family for 2 hours. The content of the counseling is tailored to fit each individual client, as each situation and needs are different. The action plan includes issues and causes, information on the client's individual circumstances, the client's short and long-term goals, and action steps to include options, suggestions, and referrals to other services or organizations if we cannot provide these needed services. We provided housing and financial counseling for 405 households and dmp clients. For some insolvent individuals and families, the financial assessment reveals that a debt management program is a viable option that may help them manage their finances and repay their debts. Our debt management clients repaid over 552,933.”

“The american center for credit education develops and publishes financial education programs including credit when credit is due, make your move - a guide to homeownership, money in motion, start right: build your own business, rebuilding your credit, cut through the confusion on health insurance and medical bills, and ten steps to buying a car. We also distribute these programs nationwide to non-profit credit and housing counseling agencies and community action agencies. We have distributed 1,853,564 financial literacy programs. Locally, we are deeply committed to promoting financial literacy to the underserved populations within our communities. Our approach prioritizes breaking barriers to access and meeting individuals where they are with targeted partnerships and programs: we reach individuals and families often overlooked by mainstream services. We collaborate with oneheart, cornerstone women's apartments, the va, and volunteers of america, to ensure people experiencing homelessness receive the counseling and education they need. Recognizing the diversity of challenges faced by individuals, we address the needs of those struggling with addiction by partnering with crisis care center, lss, and northern hills drug court. Similarly, we support at-risk youth through job corps and family connections, and single parents through catholic social services' uplifting parents program. Inclusion for marginalized groups: our work extends to incarcerated individuals through partnerships with pennington county jail, the rapid city work center, the pennington county juvenile service center, and the women's prison, helping them reintegrate into society with better tools and resources. We work with ellsworth air force base and the department of labor's tanf program to serve working families, military personnel, and those facing economic hardship. Building intentional partnerships and tailoring our services to meet the unique needs of these populations, we strive to foster a sense of belonging, empowerment, and opportunity for all. In 2024, locally we reached 978 individuals with classes and 544 with online programs.”

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