Civic Intelligence

Better Credit Ed

990EZ • Fiscal year 2022 • EIN 38-4036784

Jan 01, 2022 to Dec 31, 2022 • Filed on Apr 03, 2023

Organization ProfileN/A
814 Saint Elizabeth Dr 209San Jose, CA 95126

(408) 655-4235

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

58th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

58th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

100th percentile

100%

Higher net margin than 100% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

78th percentile

$0

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2022 filings • 501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

43rd percentile

-2.0%

Faster asset growth than 43% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

8th percentile

-61%

Faster revenue growth than 8% of similar nonprofits.

2022 filings • 501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$588

Down $12 (-2.0%) from 2021

Net Assets

Down

$588

Down $12 (-2.0%) from 2021

Liabilities

Flat

$0

Flat from 2021

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin100th percentile

Revenue

Down

$588

Down $929 (-61%) from 2021

Expenses

Down

$0

Down $917 (-100%) from 2021

Net Income

Down

$588

Down $12 (-2.0%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$15K$10K$5.0K$0Assets 2017: $1Liabilities 2017: $02017Assets 2018: $0Net Assets 2018: $02018Assets 2020: $1Liabilities 2020: $0Net Assets 2020: $02020Assets 2021: $600Liabilities 2021: $0Net Assets 2021: $6002021Assets 2022: $588Liabilities 2022: $0Net Assets 2022: $5882022Assets 2023: $588Liabilities 2023: $02023Assets 2024: $3,777Net Assets 2024: $3,7772024Assets 2025: $10,014Net Assets 2025: $10,0142025

Highlighted filing

2022

Assets$588
Liabilities$0
Net Assets$588
Open 2022 Filing

Operations Trend

Revenue Growth8th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$8.0K$6.0K$4.0K$2.0K$0Revenue 2017: $0Expenses 2017: $0Net Income 2017: $02017Revenue 2018: $02018Revenue 2020: $0Expenses 2020: $0Net Income 2020: $02020Revenue 2021: $1,517Expenses 2021: $917Net Income 2021: $6002021Revenue 2022: $588Expenses 2022: $0Net Income 2022: $5882022Revenue 2023: $0Expenses 2023: $0Net Income 2023: $02023Revenue 2024: $6,776Expenses 2024: $3,587Net Income 2024: $3,1892024Revenue 2025: $7,700Expenses 2025: $578Net Income 2025: $7,1222025

Highlighted filing

2022

Revenue$588
Expenses$0
Net Income$588
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Apr 3, 2023
Return Version
2022v5.0
Gross Receipts
$588
Mission and Program Overview

Mission

Credit Education for Seniors

Program Services

DescriptionGrantsExpenses
Credit education for seniors--
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
DILARAM KHANKHODJAEVAPresident-$0--
Filing and Contact Details

Filer

Filer Name
Better Credit Ed
EIN
38-4036784
Address
814 SAINT ELIZABETH DR 209, SAN JOSE, CA 95126

Signing Officer

Name
Dilaram Khankhodjaeva
Title
President
Signed
2023-04-03
Discuss with paid preparer
Yes

Preparer

Firm
Anomalous Business Systems Invstmnt House
Address
1515 Lincoln Ave, San Jose, CA 95125
Preparer
John Petersen
Phone
4082868485
Raw XML Appendix115 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0ZULFIYA KARINOVA
IRS990EZ/BooksInCareOfDetail/PhoneNum04086554235
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0814 SAINT ELIZABETH 354
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SAN JOSE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd095126
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0588
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0588
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0588
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt00
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0588
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt0588
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0588
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt00
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0588
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0DILARAM KHANKHODJAEVA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Credit Education for Seniors
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Credit education for seniors
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalRevenueAmt0588
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0588
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt01517
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt02105
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt02105
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0588
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01517
IRS990ScheduleA/Total509Grp/TotalAmt02105
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0588
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01517
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02105
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DILARAM KHANKHODJAEVA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-04-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BETTER CREDIT ED
ReturnHeader/Filer/BusinessNameControlTxt0BETT
ReturnHeader/Filer/EIN0384036784
ReturnHeader/Filer/USAddress/AddressLine1Txt0814 SAINT ELIZABETH DR 209
ReturnHeader/Filer/USAddress/CityNm0SAN JOSE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095126
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0942296892
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Anomalous Business Systems Invstmnt House
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01515 Lincoln Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Jose
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd095125
ReturnHeader/PreparerPersonGrp/PhoneNum04082868485
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN PETERSEN
ReturnHeader/ReturnTs02023-04-03T09:43:31-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0DILARAM
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0KHANKHODJAEVA
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$588
Liabilities
$0
Net assets
$588
Revenue
$588
Expenses
$0
Net income
$588
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$10.0$10.0$7.70$0.58$7.12
2024Detailed filing. Detailed filing data is available for this year.$3.78$3.78$6.78$3.59$3.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.59$0.00$0.00$0.00$0.00
2022Detailed filing. Detailed filing data is available for this year.$0.59$0.00$0.59$0.59$0.00$0.59
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.60$0.00$0.60$1.52$0.92$0.60
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.00$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00
2017Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$0.00$0.00
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2022 filings • 501(c)3 • <$500k nonprofits