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The Official Web Site of the State of South Carolina

**Technical difficulties with the SCDCA complaint system have been resolved. If you experience any problems with the complaint system you may email our office at and we will return your message on Monday**

Credit Counseling

The Consumer Credit Counseling Act requires that organizations providing or offering the following services, and certain employees of the organizations, must be licensed:

  • Receiving money from a consumer to distribute it among the consumer's creditors; (Debt Management Plans)

  • Improving or offering to improve a consumer's credit record, history, or rating; (i.e. Credit Repair, etc.)

  • Negotiating to defer or reduce a consumer's obligations with respect to credit extended by others. (Debt Negotiation/ Settlement, Foreclosure Assistance, etc.)

The licensing renewal cycle runs from September 1st through December 1st. 

Licenses issued before August 31st are valid on receipt through December 31st this year. Licenses issued after August 31st are valid through December of the following year.

*Please note the Department's new physical address is 293 Greystone Blvd., Ste. 400 | Columbia, SC | 29210*
**Mailings may still be sent to PO Box 5757 | Columbia, SC | 29250-5757**

Consumer Credit Counseling Laws

Disciplinary Actions

Licensing Application Information

Continuing Professional Education Information


Annual Report Information

Credit Counseling Reports

  • View consolidated information from the annual reports filed by credit counseling agencies with the Department.