Civic Intelligence

Credit Solution Programs Inc.

990EZ • Fiscal year 2020 • EIN 83-4401428

Jan 01, 2020 to Dec 31, 2020 • Filed on Jul 23, 2021

Organization ProfileN/A
2331 N STATE ROAD 7 Room 223Lauderhill, FL 33313

(754) 231-8797

Siviq Scores

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

Liabilities / Assets

100th percentile

84199.00x

Higher debt load relative to assets than 100% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

96th percentile

1.41x

Higher debt load relative to revenue than 96% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Net Margin

6th percentile

-136%

Higher net margin than 6% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Top Officer Pay

76th percentile

$0

Higher top officer pay than 76% of similar nonprofits.

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

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

44th percentile

0.0%

Faster asset growth than 44% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

99th percentile

864%

Faster revenue growth than 99% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets100th percentile

Assets

Down

$0

Down $1 (-100%) from 2019

Net Assets

-$84,199

No earlier filing loaded for comparison.

Liabilities

Up

$84,199

Up $81,519 (+3042%) from 2019

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin6th percentile

Revenue

Up

$59,783

Up $53,580 (+864%) from 2019

Expenses

Up

$141,302

Up $132,419 (+1491%) from 2019

Net Income

Down

-$81,519

Down $78,839 (-2942%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$200K$100K$0-$100K-$200KAssets 2019: $1Liabilities 2019: $2,6802019Assets 2020: $0Liabilities 2020: $84,199Net Assets 2020: -$84,1992020Assets 2021: $16,026Liabilities 2021: $115,987Net Assets 2021: -$99,9612021Assets 2022: $19,154Liabilities 2022: $115,751Net Assets 2022: -$96,5972022Assets 2023: $21,936Liabilities 2023: $120,781Net Assets 2023: -$98,8452023Assets 2024: $19,154Liabilities 2024: $119,988Net Assets 2024: -$100,8342024

Highlighted filing

2020

Assets$0
Liabilities$84,199
Net Assets-$84,199
Open 2020 Filing

Operations Trend

Revenue Growth99th percentile

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

$200K$100K$0-$100KRevenue 2019: $6,203Expenses 2019: $8,883Net Income 2019: -$2,6802019Revenue 2020: $59,783Expenses 2020: $141,302Net Income 2020: -$81,5192020Revenue 2021: $47,690Expenses 2021: $63,452Net Income 2021: -$15,7622021Revenue 2022: $15,739Expenses 2022: $12,375Net Income 2022: $3,3642022Revenue 2023: $10,979Expenses 2023: $13,227Net Income 2023: -$2,2482023Revenue 2024: $17,026Expenses 2024: $19,015Net Income 2024: -$1,9892024

Highlighted filing

2020

Revenue$59,783
Expenses$141,302
Net Income-$81,519
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jul 23, 2021
Return Version
2020v4.1
Gross Receipts
$59,783
Mission and Program Overview

Mission

Educate the community about personal credit

Program Services

DescriptionGrantsExpenses
Teaching middle school kids about personal credit to find out if the subject was appropriate for the age group.--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JohnPresidentFT$0--
Filing and Contact Details

Filer

Filer Name
Credit Solution Programs Inc
EIN
83-4401428
Phone
7542318797
Address
2331 N STATE ROAD 7 Room 223, LAUDERHILL, FL 33313

Signing Officer

Name
John
Title
Wilkinson
Signed
2021-07-23
Discuss with paid preparer
No

Preparer

Firm
Tax and Accounting Services
Address
2331 N State Road 7 Suite 221, Lauderhill, FL 33313
Preparer
Dixon Alexandre
Phone
9544853770
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16, Other Expenses

“Travel 290”

Form 990-EZ, Part I, Line 16, Other Expenses

“Meals and entertainment 412”

Form 990-EZ, Part I, Line 16, Other Expenses

“Supplies 1,000”

Form 990-EZ, Part I, Line 16, Other Expenses

“Telephone 1,731”

Form 990-EZ, Part I, Line 16, Other Expenses

“Merchant Fees 1,162”

Form 990-EZ, Part I, Line 16, Other Expenses

“Bank Service Charges 3,264”

Form 990-EZ, Part I, Line 16, Other Expenses

“Contract Services 6,734”

Form 990-EZ, Part I, Line 16, Other Expenses

“Training and Seminars 963”

Form 990-EZ, Part I, Line 16, Other Expenses

“Avertising and Marketing 43,734”

Form 990-EZ, Part I, Line 16, Other Expenses

“Office Expenses 1,690”

Form 990-EZ, Part I, Line 16, Other Expenses

“Software Applications and Services Dues 4,599”

Form 990-EZ, Part I, Line 16, Other Expenses

“Utilities 2,303”

Form 990-EZ, Part I, Line 16, Other Expenses

“Postage 314”

Form 990-EZ, Part I, Line 16, Other Expenses

“Accounting 22”

Form 990-EZ, Part I, Line 16, Other Expenses

“Charitable contribution 100”

Form 990-EZ, Part I, Line 16, Other Expenses

“Dues Subscriptions 147”

Form 990-EZ, Part I, Line 16, Other Expenses

“Repairs 657”

Form 990-EZ, Part I, Line 16, Other Expenses

“Insurance 382”

Form 990-EZ, Part I, Line 16, Other Expenses

“Other expenses 316”

Form 990-EZ, Part I, Line 16, Other Expenses

“Salary 20,762”

Form 990-EZ, Part I, Line 16, Other Expenses

“Tax and license 61”

Form 990-EZ, Part I, Line 16, Other Expenses

“Uncategorized expenses 13,200”

Form 990-EZ, Part II, Line 26, Liabilities

“Bank Overdraft Beginning of year 2,680, End of year 84,199”

Raw XML Appendix154 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/BusinessName/BusinessNameLine1Txt0John Wilkinson
IRS990EZ/BooksInCareOfDetail/PhoneNum07542318797
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02331 N State Road 7 Ste 223
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lauderhill
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd033313
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt059783
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-81519
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt032459
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt00
IRS990EZ/Form990TotalAssetsGrp/EOYAmt00
IRS990EZ/GrossReceiptsAmt059783
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-2680
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-84199
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-2680
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-84199
IRS990EZ/OccupancyRentUtltsAndMaintAmt05000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0060.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0John
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt0103843
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Educate the community about personal credit
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Teaching middle school kids about personal credit to find out if the subject was appropriate for the age group.
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt02680
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt084199
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TotalExpensesAmt0141302
IRS990EZ/TotalRevenueAmt059783
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/CommunityTrustInd0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt01138
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt06203
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt07341
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt07341
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01138
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt06203
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt07341
IRS990ScheduleA/TotalSupportAmt07341
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Travel 290
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Meals and entertainment 412
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Supplies 1,000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Telephone 1,731
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Merchant Fees 1,162
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Bank Service Charges 3,264
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Contract Services 6,734
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Training and Seminars 963
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Avertising and Marketing 43,734
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Office Expenses 1,690
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Software Applications and Services Dues 4,599
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Utilities 2,303
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Postage 314
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Accounting 22
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Charitable contribution 100
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15Dues Subscriptions 147
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16Repairs 657
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17Insurance 382
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18Other expenses 316
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19Salary 20,762
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20Tax and license 61
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21Uncategorized expenses 13,200
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22Bank Overdraft Beginning of year 2,680, End of year 84,199
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc20Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc21Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc22Form 990-EZ, Part II, Line 26, Liabilities
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0John
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Wilkinson
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-07-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT SOLUTION PROGRAMS INC
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0834401428
ReturnHeader/Filer/PhoneNum07542318797
ReturnHeader/Filer/USAddress/AddressLine1Txt02331 N STATE ROAD 7 Room 223
ReturnHeader/Filer/USAddress/CityNm0LAUDERHILL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd033313
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Tax and Accounting Services
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02331 N State Road 7 Suite 221
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Lauderhill
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033313
ReturnHeader/PreparerPersonGrp/PhoneNum09544853770
ReturnHeader/PreparerPersonGrp/PreparationDt02021-07-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Dixon Alexandre
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02021-07-23T11:21:06-00:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0John
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Wilkinson
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$84,199
Net assets
-$84,199
Revenue
$59,783
Expenses
$141,302
Net income
-$81,519
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.19$1.20$1.01$0.17$0.19$0.02
2023Detailed filing. Detailed filing data is available for this year.$0.22$1.21$0.99$0.11$0.13$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.19$1.16$0.97$0.16$0.12$0.03
2021Detailed filing. Detailed filing data is available for this year.$0.16$1.16$1.00$0.48$0.63$0.16
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.84$0.84$0.60$1.41$0.82
2019Summary only. Only limited summary data is available for this year.$0.00$0.03$0.06$0.09$0.03
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2020 filings • 501(c)3 • <$500k nonprofits