A
American Consumer Credit Counseling, Inc.
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Consumer Credit Counseling Service of the Black Hills in Rapid City, SD
No stored Google rating available.
NFCC-certified non-profit credit counselor serving South Dakota, Wyoming, Nebraska, and North Dakota for 50 years with debt management, housing, and financial education.
Data compiled from public sources
Consumer Credit Counseling Service of the Black Hills Review
Consumer Credit Counseling Service of the Black Hills (CCCS/BH) was established in 1974 as a non-profit agency in Rapid City, South Dakota. The organization has spent five decades helping individuals and families overcome financial obstacles through certified counseling and education programs. They are a HUD-approved housing counseling agency, NFCC member, and COA-accredited, maintaining rigorous ethical standards and employing only certified counselors and educators.
CCCS/BH offers comprehensive financial wellness services including one-on-one credit counseling, debt management programs, housing/financial counseling, bankruptcy guidance, and group financial education classes. Counseling is available through multiple formats: face-to-face in their Rapid City office, by telephone, or online. Their certified Consumer Credit Counselors develop personalized Financial Action Plans tailored to each client's situation. They serve a four-state region (South Dakota, Wyoming, Nebraska, and North Dakota) and maintain partnerships with the United Way, Better Business Bureau, and local chambers of commerce.
What distinguishes CCCS/BH is their demonstrated track record and community integration. They have counseled over 46,669 families, educated more than 89,938 individuals through classes, and returned $62,396,382 to the community on behalf of debt management clients. Their counselors are both NFCC and HUD certified, emphasizing non-judgmental support. The organization explicitly markets itself as a with trust signals to verify alternative to predatory online services, leveraging their 50-year local presence.
The primary limitation is that this is a traditional credit counseling service, not a debt settlement or credit repair firm. They educate and guide rather than dispute credit reports or negotiate directly with creditors. While their debt management program exists, detailed information about debt settlement outcomes, creditor negotiation rates, or settlement percentages is not provided on the website. They are best suited for consumers seeking educational support, preventive financial counseling, or structured debt repayment rather than those seeking aggressive debt reduction or credit report corrections.
Services & Features
Bankruptcy guidance and counseling
Credit counseling for four-state region (SD, WY, NE, ND)
Debt management programs
Face-to-face, telephone, and online appointment options
Financial education classes
Financial wellness education for all ages
HUD-approved housing counseling
Housing assistance navigation (SDHDA program information)
Housing/financial counseling for renters and homeowners
One-on-one credit counseling with certified counselors
Personalized Financial Action Plans
Pre-purchase homebuying classes
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- NFCC-certified counselors and HUD-approved housing counseling agency with rigorous accreditation
- 50-year operational history serving 46,669+ families with demonstrated community impact
- Multiple service delivery formats: in-person, phone, and online appointments for accessibility
- Four-state service area (South Dakota, Wyoming, Nebraska, North Dakota) for broader coverage
- Documented $62.4M returned to community through debt management programs
- Certified financial educators offering pre-purchase homebuying classes and ongoing education
- Non-profit structure with listed governance and United Way partnership
Cons
- Limited information about debt management program specifics, creditor negotiation rates, or settlement outcomes
- No pricing or fee structure disclosed on website, requiring direct contact for cost details
- Primary office location in Rapid City may limit accessibility for remote areas despite four-state service territory
- Generic descriptions of bankruptcy counseling without specific attorney referral information or filing service details
- No discussion of average timeline for debt resolution or typical client outcomes by program type
State Consumer Finance Context
This is state-level context for Free Help consumers in Rapid City, SD. It does not confirm that Consumer Credit Counseling Service of the Black Hills or this specific location is licensed.
State regulator
South Dakota Division of Banking
Consumer protection
Key state rules to check
- Initiated Measure 21 (2016) capped all consumer loans at 36% APR, effectively banning payday lending.
- Prior to 2016, South Dakota had no usury cap and was a hub for payday lenders.
- The Division of Banking enforces the rate cap on all licensed lenders.
Complaint resources
- South Dakota Division of Banking - State Regulator
- South Dakota Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Consumer Credit Counseling Service of the Black Hills offer?
Consumer Credit Counseling Service of the Black Hills offers 12 services including One-on-one credit counseling with certified counselors, Personalized Financial Action Plans, Debt management programs, Housing/financial counseling for renters and homeowners, Bankruptcy guidance and counseling, and 7 more.
What profile signals are listed for Consumer Credit Counseling Service of the Black Hills?
Consumer Credit Counseling Service of the Black Hills has profile signals associated with South Dakota, Wyoming, Nebraska, and North Dakota residents seeking non-judgmental financial counseling and education, Homebuyers interested in pre-purchase counseling and HUD-approved housing education, Individuals seeking structured debt management plans rather than settlement or credit repair, People preferring local, established non-profit institutions over online or national debt services.
What are the strengths and weaknesses of Consumer Credit Counseling Service of the Black Hills?
Key strengths: NFCC-certified counselors and HUD-approved housing counseling agency with rigorous accreditation; 50-year operational history serving 46,669+ families with demonstrated community impact; Multiple service delivery formats: in-person, phone, and online appointments for accessibility. Areas to consider: Limited information about debt management program specifics, creditor negotiation rates, or settlement outcomes; No pricing or fee structure disclosed on website, requiring direct contact for cost details.
How does Consumer Credit Counseling Service of the Black Hills compare to similar companies?
In the Free Help category, comparable providers include American Consumer Credit Counseling, Inc., Nanakuli Housing Corporation, Consumer Credit Counseling Services. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- Rapid City, SD
- BBB Accredited
- No
- Certifications
- HUD-Approved
CreditDoc Profile Note
Research Note on Consumer Credit Counseling Service of the Black Hills
CCCS/BH is profile signals for consumers in its service region seeking financial education, credit counseling, and structured debt management from a reported non-profit institution. The key caveat is that they provide guidance and planning rather than aggressive debt settlement or credit report disputation—this is appropriate for proactive financial management but not for those in crisis seeking rapid debt reduction or credit score repair.
Profile Signals
- South Dakota, Wyoming, Nebraska, and North Dakota residents seeking non-judgmental financial counseling and education
- Homebuyers interested in pre-purchase counseling and HUD-approved housing education
- Individuals seeking structured debt management plans rather than settlement or credit repair
- People preferring local, established non-profit institutions over online or national debt services
Updated 2026-04-29
More Free Help
N
Nanakuli Housing Corporation
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
C
Consumer Credit Counseling Services
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Compare Your Needs With Consumer Credit Counseling Service of the Black Hills
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Quick Summary
- Consumer Credit Counseling Service of the Black Hills is listed as a Free Help provider in Rapid City, SD on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
What Your Credit Score Actually Means: Number-by-Number Breakdown
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →What You Qualify For at Every Credit Score Range (2026)
A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →How to Check Your Credit Score for Free Without Hurting It
Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Consumer Credit Counseling Service of the Black Hills and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.