$79,028 total costs / 10,187 aggregate increase in credit score = roughly $7.76 raises a person's FICO credit score by one point. [2021 USD]

Training Church Leaders to teach sound financial principles: This program provides assistance to help those struggling financially to improve their financial health.

1/1/22 to 12/31/22

Impact scores of financial counseling programs are based on the estimated income boost per dollar spent. We compare this cost-effectiveness measure to a benchmark for the program type. The benchmark for financial counseling nonprofits is the cost to operate the program. We award nonprofits 80 points if they can increase income by between 85% and 150% of the cost of the program and 100 points if they can do so by greater than 150% of their program cost. We estimate that beneficiaries receive an $82 (2019 USD) income boost per 1-point increase in credit score. Program increases income by 150% or more of this program cost.

This impact score was determined through the Financial Counseling methodology which is fully detailed in the Charity Navigator Guide to Ratings. Analysis conducted in 2023 by Charity Navigator using data submitted by the nonprofit, theory and evidence from scientific research studies, and public datasets.

The nonprofit submitted data on pre- and post-counseling average credit scores.