2021-10-05T11:41:35-05:00 2020-12-31 464016990 THE PUN GROUP LLP 200 E SANDPOINTE AVENUE SUITE 600 SANTA ANA CA 92707 990 2020-01-01 330656671 SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC SPRI 8004318157 1450 IOWA AVENUE NO 200 RIVERSIDE CA 92507 MELINDA OPPERMAN PRESIDENT 8004318157 2021-10-05 MELINDA OPPERMAN 999009999 FRANCES KUO P02057020 9497778800 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z X MELINDA OPPERMAN 1450 IOWA AVENUE SUITE 200 RIVERSIDE CA 92507 4176877 0 X WWW.CREDIT.ORG X 1974 CA TO PROVIDE CREDIT EDUCATION, PROMOTE FINANCIAL LITERACY, PROVIDE HOUSING AND COUNSELING SERVICES, RELIEVE THE BURDENS OF GOVERNMENT AND ASSIST INDIVIDUALS IN FINANCIAL DIFFICULTY. 5 4 55 0 0 0 352962 527459 3708107 3305688 10791793 255091 103040 88639 14955902 4176877 0 0 0 0 2788915 2723390 0 0 0 4547403 4212448 7336318 6935838 7619584 -2758961 11413185 11029605 1065749 2244874 10347436 8784731 X THE SPECIFIC PURPOSES OF THE CORPORATION SHALL BE TO SERVE THECOMMUNITY AND GENERAL PUBLIC BY PROVIDING EDUCATIONAL COUNSELINGSERVICES RELATING TO PERSONAL FINANCE AND CREDIT REGARDLESS OF ANINDIVIDUAL'S ABILITY TO PAY; THE DEVELOPMENT AND PROVISION OF HOUSINGAND COUNSELING SERVICES FOR THE BENEFIT OF MEMBERS OF AN APPROPRIATECHARITABLE CLASS; RELIEVING THE GOVERNMENTAL BURDENS OF FEDERAL,STATE AND LOCAL GOVERNMENTS AND THEIR POLITICAL SUBDIVIONS; AND BYENGAGING IN OTHER CHARITABLE AND EDUCATIONAL ACTIVITES PERMITTED OFORGANIZATIONS DESCRIBED IN INTERNAL REVENUE CODE 501(C)(3). 0 0 636090 789931 REVERSE MORTGAGE: REVERSE MORTGAGE OFFERS CLIENTS GUIDANCE AS TO WHETHER A REVERSE MORTGAGE LOAN OPTION IS RIGHT FOR THEM AND, IF SO, HOW TO QUALIFY. IN 2020, OVER 3,400 SESSIONS WERE CONDUCTED. 1041166 1353225 CREDIT AND DEBT COUNSELING: CREDIT.ORG PROVIDES FINANCIAL COACHINGIN THE AREAS OF MONEY MANAGEMENT AND BUDGETING FOR THOSE WITHCREDIT CARD AND OTHER UNSECURED DEBT. ONE POSSIBLE RESULT OF SUCHCOACHING IS ENROLLMENT IN A DEBT MANAGEMENT PROGRAM WHICH IS AMONITORED OR STRUCTURED REPAYMENT PLAN FOR WHICH NOMINAL FEES ARECHARGED. 255170 514120 HOUSING EDUCATION: CREDIT.ORG PROVIDES EDUCATION TO FIRST TIMEHOMEBUYERS AND THOSE HOMEOWNERS SEEKING TO AVOID FORECLOSURE.THESE SERVICES ARE MOSTLY PROVIDED AT NO COST AND ARE FUNDED BYFEDERAL GRANTS FROM THE U.S. DEPARTMENT OF HOUSING AND URBANDEVELOPMENT AS WELL AS OTHER PUBLIC AND PRIVATE SOURCES. 261276 737051 261276 737051 2193702 1 1 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 1 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 43 0 1 55 1 0 0 0 0 0 0 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 MELINDA OPPERMAN 8004318157 1450 IOWA AVENUE SUITE 200 RIVERSIDE CA 92507 MELINDA OPPERMAN PRESIDENT-CEO 60.00 X X 173027 0 13328 STACIE ANCTIL DIRECTOR 1.00 X 0 0 0 MIKE FRASCHILLA DIRECTOR 1.00 X 0 0 0 MEREDITH CHILLEMI SECRETARY 1.00 X 0 0 0 ETHAN HORN TREASURER 1.00 X 0 0 0 173027 0 13328 1 0 1 0 0 129284 398175 527459 CREDIT COUNSELING AND 611600 1353225 1353225 DEBT MANAGEMENT PLAN F 611600 789931 789931 STATE PROGRAM ADMINIST 611600 583153 583153 HOUSING COUNSELING AND 611600 514120 514120 BANKRUPTCY COUNSELING 611600 59409 59409 5850 5850 3305688 255091 255091 OTHER REVENUE 900099 88639 88639 88639 4176877 3394327 0 255091 186355 186355 2537035 1634555 902480 1025 1025 205693 76524 129169 8150 6600 1550 460255 32390 427865 286397 4240 282157 57019 2507 54512 29824 29824 262727 262727 94444 20125 74319 SERVICE FEES 1791516 23358 1768158 COMMUNICATION 226189 12747 213442 789209 380656 408553 6935838 2193702 4742136 0 3131024 502551 63414 203339 1205567 826201 32860 62891 6771746 5473756 406464 1297990 6283289 8128853 290567 7780 11413185 11029605 502694 693579 79220 631008 175000 150000 308835 770287 1065749 2244874 X 10347436 8784731 10347436 8784731 11413185 11029605 -2758961 1196256 0 X X 0 1 X 1 0 X 3141943 3174792 1734879 352962 527459 8932035 24122289 21722892 17517117 14372468 3394327 81129093 27264232 24897684 19251996 14725430 3921786 90061128 0 2940137 2977473 9221961 19462 15159033 2940137 2977473 9221961 19462 15159033 74902095 119099 107234 155668 230472 255091 867564 119099 107234 155668 230472 255091 867564 27383331 25004918 19407664 14955902 4176877 90928692 0.82370 0.82630 0.00950 0.00560 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 5138 5138 1967845 963726 1004119 48972 7466 41506 4749791 4502564 247227 1297990 DEFERRED REVENUE 264784 PAYABLE TO SPRINGBOARD SOCIAL ENTERPRISE 26761 REFUNDABLE ADVANCE 478742 770287 X 5373133 1196256 1196256 4176877 0 4176877 6935838 0 6935838 0 6935838 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 $4,079 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, 2020, THERE WAS NO UNCERTAIN TAX POSITION. MANAGEMENT BELIEVES THAT THE ORGANIZATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS PRIOR TO 2015. 1 X X X X X X 0 1 0 0 0 0 0 0 0 MELINDA OPPERMAN PRESIDENT-CEO 173027 0 0 0 0 0 6345 0 6983 0 186355 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. D/B/A 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 SEGMENTS OF THE COMMUNITY, REGARDLESS OF THEIR 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 ("COA"), A NATIONALLY RECOGNIZED INDEPENDENT ACCREDITING BODY SIGNIFYING THE HIGHEST STANDARDS FOR AGENCY GOVERNANCE, FISCAL INTEGRITY, COUNSELOR CERTIFICATION AND SERVICE DELIVERY POLICIES. CREDIT.ORG'S TARGET POPULATION IS PREDOMINATELY LOW-TO-MODERATE INCOME ("LMI") LEVEL HOUSEHOLDS WHICH COMPRISED APPROXIMATELY 70% OF THE ORGANIZATION'S COUNSELED CLIENTELE IN 2020. ADDITIONALLY, OVER 51% OF THE AGENCY'S CLIENTS COUNSELED IN 2020 IDENTIFIED THEMSELVES AS RACIAL AND/OR ETHNIC MINORITY PERSONS (APPROXIMATELY 23% CHOOSE NOT TO PROVIDE THIS DEMOGRAPHIC INFORMATION). THESE FIGURES DO NOT INCLUDE PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION OR EDUCATIONAL WORKSHOPS. IN 2020, CREDIT.ORG PROVIDED DIRECT SERVICES TO 27,252 CONSUMERS, INCLUDING 8,313 IN FINANCIAL LITERACY AND EDUCATION PROGRAMS, 10,757 IN CREDIT AND DEBT MANAGEMENT PROGRAMS, 3,918 IN HOUSING COUNSELING PROGRAMS AND 4,264 IN DISTANCE EDUCATION PROGRAMS THAT SERVE PROSPECTIVE HOMEBUYERS NATIONWIDE WITH AN ON-LINE HOMEBUYER COURSE AND A ONE-ON-ONE ADVISORY SESSION THROUGH A TECHNOLOGICALLY-ADVANCED TELEPHONE COUNSELING CENTER TO ADDRESS THE INDIVIDUAL'S UNIQUE HOUSING GOALS. FORM 990, PART III, STATEMENT OF PROGRAM SERVICE 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 2020, THESE EFFORTS RESULTED IN 597,175 TOTAL NEW VISITORS TO CREDIT.ORG'S EDUCATIONAL SITE, AND 702,776 UNIQUE WEBSITE VISITS. EXCLUDING OUR NON-EDUCATIONAL PAGES, 407,219 ONLINE VISITORS ACCESSED OUR EDUCATIONAL CONTENT, TOOLS, AND VARIOUS OTHER FINANCIAL. IN FURTHERANCE OF ITS NONPROFIT CHARITABLE MISSION, CREDIT.ORG UNDERTOOK THE FOLLOWING EXEMPT PURPOSE 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, RENTAL AND EVICTION PREVENTING COUNSELING, FORECLOSURE PREVENTION HOUSING COUNSELING AND GENERAL CREDIT AND DEBT COUNSELING. CREDIT.ORG'S SERVICES ARE FREE WITH THE EXCEPTION OF PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION, PRE-PURCHASE HOMEBUYER EDUCATION, CREDIT REPORT REVIEW, SOME HOMEBUYER EDUCATION COURSES AND REVERSE MORTGAGE COUNSELING FOR WHICH A MINIMAL CHARGE IS MADE. AND WITH RESPECT TO THESE FEE SERVICES, CREDIT.ORG COACHES/COUNSELORS ALWAYS HAVE THE DISCRETION TO REQUEST 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 2020, CREDIT.ORG WAIVED AND REDUCED FEES TOTALING $4,397 FOR 36 DEBTOR-EDUCATION FINANCIAL SESSIONS AND 70 PRE-BANKRUPTCY COUNSELING SESSIONS. "HOUSING COUNSELING CREDIT.ORG IS APPROVED BY U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY AND PROVIDES FIRST-TIME HOMEBUYER EDUCATION, LANDLORD/TENANT COUNSELING, PRE-PURCHASE AND POST-HOME BUYER COUNSELING, AS WELL AS REVERSE MORTGAGE COUNSELING. "BUDGET AND DEBT COUNSELING CREDIT.ORG PROVIDES GENERAL FINANCIAL LITERACY COUNSELING DESIGNED TO HELP COUNSELEES UNDERSTAND CAUSES OF FINANCIAL STRESS AND LEARN HOW TO TRACK AND EVALUATE SPENDING. THE COUNSELING SERVICE INCLUDES THE CREATION OF 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 A DEBT REPAYMENT PLAN (I.E. DEBT MANAGEMENT PLAN ["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 AWARD WINNING EDUCATION THE ORGANIZATION HAS RECEIVED MORE THAN A DOZEN AWARDS IN THE FINANCIAL LITERACY FIELD, INCLUDING SIX NATIONAL EDUCATOR OF THE YEAR AWARDS (2008, 2012, 2013, 2014, 2017, AND 2018), AND BEING TWICE HONORED BY THE UNITED WAY WITH THEIR COMMUNITY INITIATIVE PARTNER AWARD. IN 2019 CREDIT.ORG WON RUNNER-UP FOR THE NATIONAL FOUNDATION FOR CREDIT COUNSELING INDIVIDUAL HOUSING COUNSELOR OF THE YEAR AWARD FOR OUR ACCOMPLISHMENT IN THE PURSUIT OF EXCELLENCE AND PROMOTION OF CONSUMER FINANCIAL HEALTH. MOBILE OUTREACH VALUABLE EDUCATION ("MOVE") CREDIT.ORG PROVIDES AND PROMOTES FINANCIAL LITERACY EDUCATION THROUGH CLASSES AND WORKSHOPS THROUGH ITS MOVE INITIATIVE. THE INITIATIVE IS CREDIT.ORG'S "TAKE IT TO THE STREETS" STRATEGY. THE EFFORT SERVES THE COMMUNITY BY CONDUCTING WORKSHOPS FOR MOSTLY LMI ATTENDEES IN VIRTUAL OR IN-PERSON FACE-TO-FACE SETTINGS, IN ENGLISH AND/OR SPANISH. THROUGH MOVE, THE AGENCY TRAVELS TO SOCIAL SERVICE ORGANIZATIONS, COMMUNITY GROUPS, SCHOOLS AND COLLEGE CAMPUSES, MILITARY BASES, AND BUSINESSES TO CONDUCT FACE-TO-FACE FINANCIAL LITERACY SEMINARS IN COMMUNITY VENUES. DUE TO THE COVID-19 PANDEMIC, OUR MOVE WORKSHOPS TRANSITIONED FROM ON-SITE IN-PERSON FACE-TO-FACE WORKSHOPS TO LIVE VIRTUAL FACE-TO-FACE WORKSHOPS HELD VIA ZOOM, WEBEX, ETC. PLATFORMS. THE PARTICIPANTS ARE EDUCATED ON SUCH TOPICS AS BUDGETING, MONEY MANAGEMENT, HOME PRESERVATION FORECLOSURE PREVENTION, UNDERSTANDING CREDIT REPORTS AND SCORES AND IDENTITY THEFT PREVENTION. IN 2020, THE CREDIT.ORG TEAM CONDUCTED 60 WORKSHOPS AND EDUCATED 1,138 CONSUMERS IN FACE-TO-FACE SETTINGS IN SOUTHERN CALIFORNIA. FIT ACADEMY EDUCATIONAL OUTREACH IN 2020, CREDIT.ORG REACHED 5,993 PARTICIPANTS VIA OUR ON-LINE LEARNING CENTER DUBBED THE "FIT" (FINANCIAL INSTRUCTIONAL TRAINING) ACADEMY, AN ONLINE FINANCIAL EDUCATION CENTER DESIGNED TO HELP CONSUMERS BECOME MORE KNOWLEDGEABLE ABOUT FINANCIAL MATTERS. THE FIT ACADEMY OFFERS THE OPPORTUNITY FOR CONSUMERS TO EXPAND THEIR KNOWLEDGE AND UNDERSTANDING OF MONEY MATTERS FROM THE PRIVACY OF THEIR HOME WHILE WORKING AT THEIR OWN PACE. THE STATISTICAL ANALYSIS OF THE PRE AND POST-TESTS OF THE FIT PARTICIPANTS IN THE 4TH QUARTER OF 2020 REFLECTED AN AVERAGE KNOWLEDGE INCREASE OF ALMOST 30%. THE AVERAGE PRE-TEST SCORE WAS 69% ANSWERED CORRECTLY, AND THE AVERAGE POST-TEST WAS 90% WHICH TRANSLATES TO AN AVERAGE GRADE INCREASE OF A "D+" TO "A-". AT THE COMPLETION OF THE CLASS EACH PARTICIPANT RECEIVES RECOGNITION VIA A DOCUMENT OF ACHIEVEMENT. THE FIT ACADEMY HAS REACHED OVER 34,000 PARTICIPANTS IN THE LAST SEVEN YEARS. "AMERICA SAVES WEEK 2020" AMERICA SAVES IS A MOVEMENT THAT ENCOURAGES FISCAL RESPONSIBILITY, SAVING AND FINANCIAL LITERACY. CREDIT.ORG SUPPORTED THE NATIONAL, SOCIAL MARKETING CAMPAIGN "AMERICA SAVES WEEK 2020", THE GOAL OF THIS PROGRAM IS TO PROMOTE AWARENESS OF THE NEED FOR GOOD SAVING HABITS, 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). ITEM C - FREE EDUCATIONAL MATERIALS AVAILABLE TO THE PUBLIC "CREDIT.ORG NEWSLETTER THE CREDIT.ORG WEEKLY NEWSLETTER IS SENT OUT TO A MIX OF OPT-IN EMAILS (THESE PEOPLE SIGNED UP TO RECEIVE IT ON CREDIT.ORG'S WEBSITE), AS WELL AS CLIENTS THAT RECEIVED COUNSELING. THE NEWSLETTER AUTHORED BY THE AGENCY COVERS A VARIETY OF WAYS TO SAVE MONEY IN MANY AREAS OF EVERYDAY LIFE, INCLUDING FOOD, ENTERTAINMENT, CELEBRATIONS AND HOME IMPROVEMENTS. THE ARTICLES FROM THE NEWSLETTER ARE CATALOGED ON THE AGENCY'S WEBSITE AND ARE AVAILABLE FOR FREE. "FINANCIAL LITERACY WORKSHEETS CREDIT.ORG AUTHORED A LIBRARY OF BUDGETING WORKSHEETS TO HELP CONSUMERS MANAGE THEIR PERSONAL FINANCES. THESE ARE AVAILABLE FOR FREE DOWNLOAD FROM THE AGENCY'S WEBSITE. "CREDIT.ORG'S PUBLICATIONS AUTHORED BY THE AGENCY AND AVAILABLE FOR FREE, INCLUDE: 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 AFFORDABLE HOUSING LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 454973595 MULTIFAMILY PROPERTY DEVELOPMENT CA 4820 5310765 SPRINGBOARD HOUSING LLC SPRINGBOARD HOUSING LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 454966244 MULTIFAMILY PROPERTY INVESTMENT CA 0 252000 SPRINGBOARD NONPROFIT CONSUMER SEMINOLE RIDGE - ORLANDO LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 371697092 MULTIFAMILY PROPERTY MANAGEMENT NV 0 9888672 SPRINGBOARD AFFORDABLE HOUSING LLC SPRINGBOARD SOLUTIONS LLC 1450 IOWA AVENUE NO 200 RIVERSIDE CA 92507 273130421 GOVERNMENT CONTRACTING CA 460772 9056083 SPRINGBOARD NONPROFIT CONSUMER