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Clearpoint Credit Counseling Solutions


If your debt has become unmanageable and stressful, Clearpoint may be able to help. A nonprofit consumer financial counseling and education agency, Clearpoint has been in business for more than 50 years and is accredited by the Council on Accreditation (COA) and the Better Business Bureau (BBB). Clearpoint was formerly known locally as Consumer Credit Counseling Service of St Louis (CCCS).

Clearpoint’s certified counselors can help you identify the source of your financial burdens and make informed decisions. The agency has certified counselors located on both sides of the metro area to serve members of Arsenal: Dennis Johnson in Missouri, and Stephanie Reeves in Illinois. Both are certified by the National Foundation for Credit Counseling (NFCC), the nation's largest and longest-serving credit counseling network.

ClearPointClearPointDuring a confidential and personalized no-cost credit counseling session, Dennis or Stephanie will provide an objective assessment of your financial situation. This includes reviewing your credit report. In addition, they will help you construct a realistic budget, provide tools to manage your money better and create a personalized action plan.

To meet with them, call 1.877.877.1995 and ask for an appointment with Dennis or Stephanie. You may also email directly at: or Clearpoint offers counseling services via telephone, online and in person.


Housing counseling

Home ownership is an exciting time in a person's life. It is an opportunity to invest wisely and build equity for your future. However, it can also cause financial stress when you find yourself unable to make your monthly mortgage payments.

Whether you're preparing to buy a home or are struggling with your existing loan payments, Clearpoint can provide help through HUD-approved housing counseling services. Clearpoint’s certified housing counselors offer educational guidance and budgeting advice that directly address your current mortgage-related situation, helping you to find viable solutions to your financial difficulties.

  • Pre-Purchase Counseling — Recognizing the benefits, barriers, and affordability of home ownership is critical to your financial future. Our Clearpoint reps will educate you on ways to evaluate and understand the home buying process, and to better understand the overall process of mortgage lending.
  • Mortgage Delinquency Counseling — Our Clearpoint reps are able to thoroughly evaluate your personal financial situation and provide you with advice on how to avoid default, foreclosure, or bankruptcy. Working together with you and your mortgage holder, they will assist you in resolving your mortgage situation. We recognize that your home is your most important asset, and we will provide you with extensive experience and service excellence to assist you in regaining financial control.

Two organizations working together to help people

NerdWalletArsenal’s partnership with Clearpoint was featured by as a top pick for debt relief programs at credit unions. Arsenal was recognized for going “the extra mile” to help members develop better money management skills such as dealing with debt, improving their credit, budgeting, and making decisions about loans. The article noted that Arsenal provides free financial advice across multiple channels, including a special financial education section on its website, resource centers within its branches, ongoing seminars, and one-on-one counseling provided by Clearpoint. A member of Nerdwallet’s “Ask an Advisor” network, Clearpoint has answered hundreds of questions from visitors to the site and was named in a national roundup of “Credit Counselors Who Made a Difference in 2015.”


Helpful Resources from Clearpoint

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