Non-profit credit counseling agency serving Chattanooga and Tennessee River Valley for 40+ years, offering debt management, credit counseling, and housing counseling at no cost.
Data compiled from public sources · Rating from CreditDoc methodology
CCCS of Chattanooga is a locally-based non-profit credit counseling organization that has operated for over 40 years in the Chattanooga and Tennessee River Valley region. The organization positions itself as the only locally-based non-profit credit counseling agency in its service area, with a track record of helping hundreds of thousands of people address financial challenges.
The organization offers a comprehensive suite of services including debt management programs designed to stop creditor calls and help clients become debt-free, credit and budget counseling to assess and revise household finances, housing counseling delivered by certified housing counselors, and assistance with first-time home buyer programs. They also provide a "My Virtual Counselor" tool that allows prospective clients to estimate savings on a debt management plan before meeting with a counselor. Additionally, they operate community financial literacy programs, as evidenced by their work with charter schools.
CCCS of Chattanooga differentiates itself through its non-profit status, local focus, certified counselor staff, "no judgment zone" approach, and extensive customer testimonials demonstrating successful outcomes. The organization emphasizes accessibility through free online appointments and multiple service channels. Their success stories highlight transformations including elimination of $20,000+ credit card debt and improved financial peace of mind.
The primary limitation is geographic scope—services are limited to the Chattanooga and Tennessee River Valley area. The website lacks specific details about program costs (though services appear to be free), typical timeframes for debt payoff, or how they compare to other NFCC-certified agencies. Client reviews are uniformly positive, which while encouraging, may not represent the full spectrum of outcomes.
Yes. Consumer Credit Counseling Service of Chattanooga is a registered company, headquartered in Chattanooga, TN.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
CCCS of Chattanooga is ideal for residents in its service area (Chattanooga and Tennessee River Valley) who have accumulated credit card debt or face housing challenges and want free, judgment-free counseling from a non-profit provider with four decades of experience. The main caveat is geographic limitation—this service is not accessible to consumers outside the Tennessee River Valley region.
Unable to verify. Website returns 403 Forbidden error, preventing access to company information, services, or credentials.
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