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Visit www.stepchange.orgAbout Foundation for Credit Counselling
Foundation for Credit Counselling's principal activities are to provide free debt advice to the financially distressed and following advice either via telephone or online, to provide a range of debt management solutions to meet client needs such as debt management plans and a range of insolvency solutions.
Focus areas & reach
· What they work on and whereHow it stacks up against peers
· vs. 5 similar social services in United KingdomRed flags
· All clearWhere every £1 goes
Common questions
· Auto-generated from filings + methodologyFoundation for Credit Counselling is a registered social services nonprofit, United Kingdom. It is registered with the Charity Commission for England and Wales. It was founded in 1993 and has been operating for 33 years. Its registration number is 1016630. It has a GiveRadar Integrity Assessment of 76/100 (Strong transparency), indicating well-documented governance, financials, and contact details. This is below the average of 87/100 for social services charities in United Kingdom. The organization reports £58M in annual revenue. 12 officers and directors are publicly disclosed. No red flags have been detected. The charity has 100 community reviews with an average rating of 4.7/5. On Trustpilot, it has a rating of 4.6/5 based on 2281 reviews.
Foundation for Credit Counselling has a GiveRadar Integrity Assessment of 76/100. This score combines five components: Registration (20 pts), Financial Transparency (30 pts), Governance (20 pts), Contact Availability (10 pts), and Data Recency (20 pts), with negative adjustments for any red flags. A score of 76 ('Strong transparency') reflects well-documented governance, recent financials, named leadership, and working contact details. The charity allocates 96% of expenses to programs, which contributes positively to its score. For comparison, the average integrity assessment for social services charities in United Kingdom is 87/100.
Foundation for Credit Counselling is registered in United Kingdom. The organization was established in 1993 and has been active for 33 years.
Based on official tax filings, Foundation for Credit Counselling has £58M in annual revenue. It allocates 96% of expenses to programs and services. This is in line with the average of 98% for social services charities in United Kingdom. Its revenue is significantly above the peer average of £799K. Create a free GiveRadar account to view the complete financial breakdown with year-over-year trends.
Foundation for Credit Counselling is classified as a Social Services organization, registered in United Kingdom. By size, it is categorized as a major organization. It has £58M in annual revenue. The organization has 12 disclosed officers and directors.
No red flags have been detected for Foundation for Credit Counselling. GiveRadar automatically screens charities for concerning patterns including high executive compensation, low program spending, and missing financial filings. Based on available official data, no issues have been identified.
Foundation for Credit Counselling has a GiveRadar Integrity Assessment of 76/100 (Strong transparency) and no red flags have been detected, which suggests it is a well-documented organization. It is regulated by the Charity Commission. 96% of expenses go to programs. The peer average is 98%. The organization has a strong Trustpilot rating of 4.6/5. Visit the Foundation for Credit Counselling profile on GiveRadar for full details before deciding. GiveRadar provides data for research purposes and does not endorse any organization. Always do your own due diligence.
Foundation for Credit Counselling's principal activities are to provide free debt advice to the financially distressed and following advice either via telephone or online, to provide a range of debt management solutions to meet client needs such as debt management plans and a range of insolvency solutions. Foundation for Credit Counselling is classified as a social services organization registered in United Kingdom. The organization was founded in 1993.
Among social services charities registered in United Kingdom: Foundation for Credit Counselling's GiveRadar Integrity Assessment of 76/100 is below the peer average of 87/100. It allocates 96% of expenses to programs, in line with the peer average of 98%. Its annual revenue of £58M is well above the peer average of £799K.
Foundation for Credit Counselling is a registered charity in the United Kingdom. If you are a UK taxpayer, your donation may qualify for Gift Aid, which allows the charity to claim an extra 25p for every 1 pound you donate at no cost to you. Higher-rate and additional-rate taxpayers can also claim additional relief on their Self Assessment tax return.
Verified against 6 official sources, last refreshed .
Filing history
5 years on file from Charity Commission (UK) (FY2024): revenue, expenses, program spending, assets, and liabilities by fiscal year.
See 5 years of revenue, expense breakdowns, and balance sheet.
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Tax-deductibility for donors
UK donations qualify for Gift Aid. FOUNDATION FOR CREDIT COUNSELLING is registered with the Charity Commission. Eligible UK taxpayers can boost their gift by 25% at no extra cost.
FOUNDATION FOR CREDIT COUNSELLING is in United Kingdom, a TGE (Transnational Giving Europe) member country. Dutch donors can route gifts via Stichting Transnational Giving Europe to receive Dutch ANBI-equivalent deductibility, subject to TGE's 5% pass-through fee.
FOUNDATION FOR CREDIT COUNSELLING is registered in United Kingdom. US donors generally cannot deduct gifts to non-US charities directly. To claim a deduction, route the gift through a US 'Friends of' fiscal sponsor or a donor-advised fund that performs equivalency determination (IRS Rev. Proc. 92-94).
Always confirm tax treatment with the charity directly or your tax advisor before donating.
Leadership
Officers & trustees (12)
Source: Public filings
Latest news
From global news sources
10 articles found
From global news sources
Sentiment
NeutralB.C. Credit Counselling Society Sees Surge In Younger Clients Seeking Debt Relief (uEuceAwgos) - fathomjournal.org
Lost your job? How UAE borrowers can renegotiate loan repayments - Khaleej Times
Money Mentors Wins Consumer Choice Award for Credit & Debt Counselling Services in Northern Alberta - Galesburg Register Mail
Cost-of-living squeeze pushes Canadians to borrow more and feel less - Wealth Professional Canada
Numb to the Numbers: How Normalized Debt is Putting Canadians at Risk - Yahoo! Finance Canada
Money Mentors Wins Consumer Choice Award for Credit & Debt Counselling Services in Northern Alberta - USA Today
Commentary: 'Spending within one’s means' is advice worth repeating amid rising credit card debt - CNA
18 bankruptcies recorded in Malaysia each day - Asia News Network
Grocery Prices Surge and Demand for Credit Counselling Climbs -- CCS Warns of Post-Holiday Financial Strain - PR Newswire Canada
Credit counselling calls surge as Canadians struggle with rising costs - MoneySense
Activity timeline
Filings and press mentions, merged
Donor reviews (100)
4.7 / 5 average · includes imported Trustpilot
They were fantastic and gave me help and reassurance through a very stressful time
Trustpilot
Excellent support and understanding at a time of great stress.Staff were committed and knowledgeable and really helped guiding me through the difficult situation I found myself in.
Trustpilot
Exceptional ,organised and professional company. No judgement. Just rebuilt my self esteem in support and direction….😎
Trustpilot
Really good
Trustpilot
The debts were adding up and they weren’t going anywhere until the day that I got in touch with step change they listened to me didn’t judge me just advised me as to what I needed to do, They then arranged everything and set me on the path to clear my debts,As long as you’re willing to accept the arrangement and do what is necessary they’re there for you.
Trustpilot
Amazing organisation. Do not hesitate to contact for help with your debts . Stepchange assisted with a VA and their advice was invaluable, communication was regular and informative. The whole process was easy and gave me peace of mind knowing that I am back in control once again .
Trustpilot
I was in significant debt in 2018 which had piled up over a few years. At one point, I was paying £1600 per month in interest only. When the letters started arriving from the creditors, it caused me immense stress, anxiety and worry. A friend recommended StepChange and it changed my life forever. I got into a DMP with StepChange, agreed a set monthly payment, StepChange contacted all the creditors and I started on my journey to become debt free. Luckily, I had a full time job which helped but there were several things that changed my spending habits. I was not able to use any credit cards since 2018, did not qualify for any loans, learned how to live on my salary only and while it wasn’t easy with the increase in cost of living and high energy bills, I, somehow managed.Now that I am debt free, I don’t have thoughts of getting a credit card or a loan or a new vehicle. Life is passing with no temptations (so far). It has not sunk in still that I am debt free so I am having to remind myself. For the first time this month in 6 years, there is no direct debit towards my DMP. I have put the amount of DMP into a Savings account just to see if I can remain disciplined.
Trustpilot
I have recently completed a considerable repayment policy which has been ongoing for a number of years with Stepchange.I cannot rate their support and guidance highly enough.Always kind,non judgmental and supportive-I have been able to change my life round with them by my side-forever grateful.
Trustpilot
An absolutely amazing charity, they were easy to contact and very understanding. The debt management plan took into consideration my incomings and outgoings so I only paid what I could afford each month. Before I came across step change I was taking out loans to cover other loans and getting into more debt, but with the help of stepchange I am now debt free.
Trustpilot
At your darkest moment of debt,stepchange will pick you up help,listen and steer you in the right direction.We came out the other side and you will too,it seems like things never going be good again but they can and will.
Trustpilot
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Sources and verification
Refreshed
- Registration and legal identity
- Charity Commission for England and Wales - Register of Charities
- Financial filings
- Charity Commission annual returns - Fiscal year 2024 most recent on file.
- Officers and trustees
- Charity Commission for England and Wales - Register of Charities - 12 disclosed in the public registry.
- News and media coverage
- GDELT Project + Google News
- Donor reviews (external)
- Trustpilot consumer reviews
- Community reviews (verified email)
- GiveRadar Community Reviews - 100 verified review(s) on file.
Data freshness
What we don't know
Honest gaps - our score reflects transparency, not impact
Methodology
GiveRadar combines public registry filings, ProPublica Nonprofit Explorer, Charity Navigator, GuideStar, and news archives into a single 0-100 integrity assessment. We don't take a cut of any donation, ever.
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Quick facts about Foundation for Credit Counselling
- What is Foundation for Credit Counselling?
- Foundation for Credit Counselling is a social services nonprofit organization, United Kingdom. Foundation for Credit Counselling's principal activities are to provide free debt advice to the financially distressed and following advice either via telephone or online, to provide a range of debt management solutions to meet client needs such as debt management plans and a range of insolvency solutions.
- When was Foundation for Credit Counselling founded?
- Foundation for Credit Counselling was founded in 1993.
- Where is Foundation for Credit Counselling located?
- Headquartered in United Kingdom.
- What is Foundation for Credit Counselling's annual budget?
- Annual revenue for fiscal year 2024 is approximately £10M-£100M. 96% of expenses go to program services.
- Is Foundation for Credit Counselling trustworthy?
- Foundation for Credit Counselling has a GiveRadar Integrity Assessment of 76 out of 100 (Strong transparency). The score reflects public-data transparency: registration, financial disclosure, governance, contact details, and how recently data was refreshed. It does not measure program impact.
- What is Foundation for Credit Counselling's registration number?
- Registration: 1016630 (United Kingdom).
- What is Foundation for Credit Counselling's website?
- https://www.stepchange.org
- Are donations to Foundation for Credit Counselling tax-deductible?
- Donations may be tax-deductible for residents of United Kingdom under local rules. US donors should check whether the charity has an equivalency-determination letter or a US-based fiscal sponsor before claiming a deduction.