Non-profit financial empowerment organization providing free credit counseling, housing assistance, and benefits access to low- and moderate-income residents across Greater Philadelphia.
Editorially reviewed by Harvey Brooks
Clarifi (formerly CCCS of Delaware Valley) was founded over 50 years ago and has established itself as the largest provider of financial and housing empowerment services in Greater Philadelphia, serving Southeastern Pennsylvania, New Jersey, and Delaware. The organization operates on a mission to provide judgment-free financial resources tailored to individual circumstances, regardless of income, zip code, or background.
Clarifi's service portfolio includes certified financial empowerment counseling, housing success programs, benefits access assistance, and direct financial assistance. In 2024, the organization conducted 4,911 counseling sessions serving 3,657 households, helped clients reduce an average of $2,978 in debt, secured $6.9 million for essential home repairs, and disbursed $1.3 million in grants. Their counselors help clients overcome financial crises and build pathways toward intergenerational wealth.
The organization distinguishes itself through its multi-service approach combining financial counseling with concrete assistance including home repair grants and benefits navigation. Their track record demonstrates measurable client outcomes, with over 5,100 client milestones achieved in 2024 alone. The organization also emphasizes community impact, noting they serve over 10,000 people annually through education, counseling, and supportive services.
As a non-profit with 50+ years of operational history, Clarifi represents a stable, established resource for low-to-moderate income households. However, their services appear geographically limited to the Greater Philadelphia region, and the website provides limited specific information about eligibility requirements, wait times, or detailed service costs.
Yes. Cccs Of Delaware Valley, Dba Clarifi is a registered company headquartered in Wilmington, DE. They hold a NR rating with the Better Business Bureau.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
Clarifi is best for low- to moderate-income residents in the Greater Philadelphia region (Southeastern PA, NJ, Delaware) seeking free, non-judgmental financial counseling, debt reduction support, and housing assistance. The main caveat is that services are geographically limited and the organization does not offer traditional credit repair (disputing errors) or quick cash loans; it specializes in longer-term financial empowerment and concrete assistance programs.
Barclays Bank Delaware offers FDIC-insured online savings accounts, certificates of deposit, and tiered savings products with no minimum balance requirements or monthly maintenance fees.
Best for: Savers comfortable with digital banking seeking competitive deposit rates, Consumers looking to ladder CDs across different maturity dates
TD Bank is a major U.S. bank offering checking, savings, credit cards, personal loans, and home lending with 24/7 digital banking and local branch access.
Best for: Consumers seeking traditional full-service banking with both digital and in-person branch access, Customers wanting overdraft protection with no-fee options for small overages
TD Bank USA is a national bank offering checking, savings, credit cards, personal loans, and home lending with 24/7 digital banking and in-person branch access.
Best for: Consumers seeking traditional full-service banking with both digital and branch access, Customers who value 24/7 human customer service combined with mobile banking convenience
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Cccs Of Delaware Valley, Dba Clarifi and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.