Transformance™is entering its fifth decade of helping consumers.


In 1973, a group of Dallas businessmen had a vision to help people struggling with debt. They saw a need and met it. The need was for consumers to be better informed in regard to the wise use of money and credit for little to no cost. The wheels began turning, and in January 1974, Transformance (formally, Consumer Credit Counseling Service of Greater Dallas) made their first disbursement to creditors on behalf of its clients in the amount of $5,000 and a nonprofit service organization was born.


Transformance Past, Present and Future


Transformance’s success can be traced to one consistent thought: focus on the client. From its inception, that goal has been prominent. No decision is made without considering the impact it will have on the consumer. Over four decades of commitment have resulted in its serving 1.7 million clients and helping them make smart money decisions.




Transformance always adhere to the highest business standards. Transformance became an accredited agency in 1992 and has maintained that accreditation to this day. April 1, 2015 Transformance received notification that it achieved its status of reaccreditation by the Council on Accreditation (COA).  Reaccreditation is a tremendous achievement that demonstrates that the organization is recognized as a provider that continues to successfully implement high performance standards and, as such, is delivering the highest quality services to all of its stakeholders.  The Council on Accreditation (COA), an independent third party, oversees the accreditation process, which includes an examination of 39 service standards as well as onsite visits by peer reviewers.


Certified Counselors


Additionally, to provide the highest level of financial counseling, in 1989 Transformance began requiring that all of its counselors become Certified Consumer Credit Counselors. The National Foundation for Credit Counseling (NFCC) administers the testing that covers six books on a broad range of counseling-related subjects. Every Transformance counselor is required to become certified within 12 months of employment and is expected to maintain that certification through earning Professional Development Units.


Financial Education


Transformance’s education department began as an army of one in 1999, and today they have a complete staff of trained educators and presenters making approximately 1,500 presentations each year in both English and Spanish. Through their efforts, they reach 30,000-40,000 consumers annually with the good news that financial wellness is within their grasp. Furthermore, Transformance’s strong online educational presence provides the tools for managing credit and money for many thousands more. In the coming years, this is expected to grow significantly with its growing investment in its digital platform that includes online video tutorials, gamified learning modules, digital plan tools and discussion boards/community features.


Housing Counseling


Since a home is normally a person’s largest investment, Transformance puts a strong emphasis on Housing Counseling and helping people with their housing problems. Transformance is a HUD-approved agency, having received HUD housing grants since 1979. Transformance routinely works with lenders and consumers to either prevent or resolve a housing problem. Transformance provides education and counseling for pre-purchase, post-purchase rental, foreclosure prevention and reverse mortgages.


Programs and Services


As the economy shifts, Transformance works to meet its client’s needs. For example, they now provide student loan default counseling, financial coaching, pre-retirement and pre-college counseling to help their clients plan and prepare for a successful financial future. Transformance continues to help clients across the entire socio-economic spectrum and works to provide services that work for them. Transformance has come a long way! They have made many positive changes in their client’s lives. Nonetheless, the ONE thing that has remained the same is the unwavering resolve to keep Transformance clients at the heart of everything they do. That philosophy has been successful for over 41 years and will continue to be their guide.

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