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Click for BBB Rating on Transformance Inc

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Our mission is to empower individuals and families to achieve financial freedom.

Housing Counseling:helping families facing housing challenges through a suite of services designed to help consumers get into and keep a home, or effectively transition out of home ownership through bankruptcy and other available programs.

Credit & Budget Counseling: are equipped with the latest financial knowledge and tools to help families understand their financial situation, develop budgets, and successfully improve their credit scores.

Financial Education & Community Outreach: provides a host of services to reach consumers where they are in their financial journey and help them create a solid path to financial well being

Financial e-Learning Hub: provides transformative learning through modules designed to enhance retention and reinforce positive behaviors.The digital platform allows easy access to learners when and where it is needed via computer or mobile app, and provides a robust user analytics platform for delivery of outcomes measurements. 

Debt Management: helps clients understand how debt impacts their financial well being and offers certified counseling services to identify the most efficient way to pay off debt, as well as ongoing education and tools to help clients stay on track.

Saving Programs: designed to establish a regular pattern of savings so they can proactively plan for the future and be ready when life's unexpected situations arise.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Transformance Inc meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

BBB Complaint Information

Find aggregate BBB complaint information for Transformance Inc. BBB serving Dallas and Northeast Texas has the full report as that BBB handles all complaints for Transformance Inc.

Additional Information

BBB file opened: December 04, 1991 Business started: 01/01/1979 Business started locally: 01/01/1979 Business incorporated 09/20/1973 in TX
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Office of Consumer Credit Commissioner
2601 N Lamar Blvd, Austin TX 78705
Phone Number: (800) 538-1579

Type of Entity


Business Management
Ms. Kristy Ramirez, Senior Director, Administration of Grants and Membership
Contact Information
Customer Contact: Ms. Kristy Ramirez, Senior Director, Administration of Grants and Membership
Business Category

Credit Services Financial Services Credit & Debt Counseling Bankruptcy Counseling - Federally Certified Credit - Debt Consolidation Services

Refund and Exchange Policy

It is Transformance's position that all funds deposited into our Client Deposit Account are held for the benefit of our clients’ creditors, however there are a few exceptions as follows:

All excess funds on deposit for a client that has completed their Debt Management Program will be refunded to the client once our records indicate all debts have been paid

Any excess funds on deposit for a client that has filed bankruptcy must be sent to the bankruptcy trustee

All other refunds or exceptions, including state, federal or legislative requirements, will require approval from the Vice President of Operations

Industry Tips
Credit Repair Tips Credit Solicitations Finding a financial planner

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.