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- Financial Education
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- Driven to Success Informational Session
- Tips for Buying a Car
- Financial Wellness Series-In Partnership with RochesterWorks!
- Budgeting & Building a Strong Financial Future
- Driven to Success Informational Session
- Driven to Success Informational Session
- Financial Wellness Series-In Partnership with RochesterWorks!
- Driven to Success Informational Session
- Budgeting & Building a Strong Financial Future
- Financial Wellness Series-In Partnership with RochesterWorks!
- Budgeting & Building a Strong Financial Future
- Financial Wellness Series-In Partnership with RochesterWorks!
- Budgeting & Building a Strong Financial Future
- Financial Wellness Series-In Partnership with RochesterWorks!
- Budgeting & Building a Strong Financial Future
- Financial Wellness Series-In Partnership with RochesterWorks!
- Budgeting & Building a Strong Financial Future
- Community Workshops & Classes
- FAQ
- Frequently Asked Questions
- FAQ's on Student Counseling
- Debt Management Plan
- What is the difference between a settlement and a Debt Management program?
- Does the Debt Management program reduce the overall balance due to the creditors?
- Will a Debt Management program hurt my credit score?
- How does a debt management program impact my credit score?
- Why do I receive monthly statements from my creditors if Consumer Credit Counseling Service of Rochester sends me a monthly statement?
- Can I get a mortgage loan or auto loan while on the Debt Management Plan?
- Will anyone be in contact with me from Consumer Credit Counseling Service of Rochester once I’m on the Debt Management Plan?
- What is a Debt Management Program?
- I've used your debt management program in the past. Am I eligible to use it again?
- How much do your services cost and how long does it take to establish a debt management program?
- Credit Score/Report
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- Calculators
- Auto Payment Comparison Calculator
- Automobile Affordability Calculator
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- Budget Percentage Calculator
- Credit Card Minimum Payment Interest Calculator
- Credit Card Principal/Interest Calculator
- Fixed Vs. Minimum Payment Calculator
- Debt Calculator
- Debt Ratio Calculator
- Debt Payoff Goal Calculator
- Accelerated Debt Payoff Calculator
- Brown Bag Savings Calculator
- Learn more about...
- About CCCS
- News
- Credit Counseling Services Can Help Consumers Escape Debt and Build a Solid Financial Foundation
- Monroe County invests in Driven2Success from CCCSR
- Jason Tracy, CEO of CCCSR receives Member of Distinction Award
- CCCS of Rochester Celebrates 50 Yrs Helping Clients Restore Their Financial Health
- UltraFICO
- Smart Checking Program
- Tuition-Free Degree Program: The Excelsior Scholarship
- CCCS of Rochester Joins the Sharpen Your Financial Focus™ Initiative
- CCCS Partners with the City of Rochester's Biz Kid$ Program
- CCCS receives Housing Grant Dollars
- Testimonials
- Employment Opportunities
- Blog
- Budget-Friendly Ways to Travel Without Going Into Debt
- Help for First-Time Homebuyers
- CCCS Employee Spotlight - Meet Bill Gibbons!
- CCCS of Savannah merges with CCCS of Rochester!
- How A Debt Management Plan Can Help You Pay Off Student Loans
- What You Should Do If You Can’t Pay Your Monthly Credit Card Bill
- CCCS Employee Spotlight - Meet Dijonne!
- Project Ride Program
- Signs You Should Try a Debt Management Plan
- Should You Consider a Debt Consolidation Loan in 2025?
- Practical Tips for Tackling Holiday Debt
- Will a Debt Management Plan Hurt Your Credit Score?
- 5 Credit Card Mistakes to Avoid Before the Holidays
- 5 Tips to Save Money During Thanksgiving
- 5 Tips for Avoiding Credit Card Debt While in College
- CCCS Employee Spotlight - Meet Sara!
- Preparing Your Finances for Back-to-School
- The Cost of Carrying Over a Credit Card Balance
- Tips for Keeping a Budget During Fluctuating Inflation
- Why It’s Better to Do Debt Management Over Debt Settlement
- Savvy Car Buying Tips
- Why Work with a Nonprofit for Your Debt Management
- Spring Clean Your Finances With These 5 Tips
- Could You Benefit From Credit Counseling?
- Reduce Credit Card Debt in 2024: Make a Plan
- How to Take Charge of Your Finances in the New Year
- Managing Your Credit During the Holidays
- Debt Relief and Credit Card Scams
- Review Your Budget Before Your Heating Bills Increase!
- Manage High Credit Card Debt With a Debt Management Program
- Resuming Student Loan Payments and Managing Debt
- Consolidating Debt: Personal Loan vs. Debt Management Plans
- Back to School Savings
- What Is Credit Counseling?
- How to Get Out of Debt With Bad Credit
- Fight Back Against Inflation With Debt Management
- Paying Less in Interest With a Debt Management Plan
- Recognizing and Avoiding Spending Addictions
- Managing Finances as a College Student
- Avoid Overspending as a College Student
- What's the Difference Between Debt Settlement and Debt Management?
- Debt Management & Student Loan Relief
- What is the Community Reinvestment Act (CRA)?
- New Year's Resolution to Better Your Financial Situation
- Are You Struggling With Debt?
- 4 Credit Card Holiday Mistakes to Avoid This Year
- When Should I Make Payments on My Credit Card?
- Holiday Shopping & Giving Back
- Uplifting Financial Wellness
- What the Interest Rate Spike Means for Your Debt
- Saving Money Through Debt Management
- Closing a Credit Card—Good or Bad Move?
- Are You a Small Business Owner?
- The Benefits of Housing Counseling
- Common Credit Card and Debt Management Mistakes
- Managing Your Finances and Debt During an Economic Downturn
- Managing Your Money in Your 20s
- Does Debt Settlement Work?
- Smart Habits That Save Money
- Is Debt Management Better Than Bankruptcy?
- Reducing Expenses
- How to Raise Your Credit Score Fast
- Establish a Bill Paying System
- How to Build a Strong Financial Future
- What Happens When Forbearance Ends?
- What to Do if You’re a Victim of Unemployment Insurance Fraud
- Improving Your Credit Score
- Using Your Tax Refund and Stimulus Check to Hack Away at Debt
- Using Credit Cards Wisely
- Is Debt Management a Good Idea
- Fixing Credit Report Errors
- Paying Off Your Holiday Debt
- Foreclosure and Eviction Moratorium Extension
- Protect your Identity
- Identity Theft
- A Wise Strategy for Tax Refunds
- How to Manage Your Budget When Buying Gifts This Holiday Season
- Tips for Coping with Debt During COVID-19
- Budgeting During a Crisis
- Dreaming of a Happy Retirement? Better Manage Your Debt!
- The CARES Act and the COVID Eviction Moratorium
- Buying Your First Home - When to Buy?
- Healthy Debt vs. Bad Debt
- Your Credit Score after Debt Consolidation
- Help with Mounting Bills
- Did you Get a Deferment Due to COVID, but Now Your Credit Report is Showing Past Due?
- COVID-19 Scams - What to Look Out For
- COVID-19 Credit Card Payment Deferrals Ending Soon!
- Tips for Preparing for the End of the Additional $600 Unemployment Benefit
- How is Your FICO Calculated?
- Housing Update: Federal Housing Agencies Extend Foreclosure Moratoriums
- Debt Settlement vs Debt Management
- The Difference Between a Hard Credit Pull and a Soft Credit Pull
- What is a Secured Credit Card?
- What To Do If You Can’t Pay Your Rent
- What to Expect After a Mortgage Forbearance Ends
- The Stress of Finances and Suicidal Behavior
- How To Build A Savings Account
- Choosing a Financial Institution
- Reduction In Credit Limit
- PayDay Lenders and Potential Alternatives
- What Do Deferred Payments Mean for You?
- Free Weekly Credit Scores Online and Why You Should Check Them
- Housing Updates Related to COVID-19
- Helpful Credit Options During COVID-19
- Stimulus Checks
- The CARES Act & Student Loans
- Avoiding Stimulus Check Financial Scams
- Should you apply for a retail store credit card?
- 4 Financial New Year's Resolutions
- Tips for Retirement
- How Many Credit Scores Do I Have?
- IRS Phone Scams
- Saving for Summer Vacation
- Don't Let Debt Keep You Down, Soldier
- What's in your Credit Score?
- Do Credit Checks really hurt your Credit Score?
- Carrying Debt May be Heavier than You Think
- Confused about Credit Counseling?
- Foreclosure Prevention
- Identity Theft
- Five Things to Do Before Leaving Home on Black Friday
- Mission
- Funding Sources
- State Registrations