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At BadCredit.org, the web’s top finance experts come together to help inform and educate over 27 million users, enabling better credit decisions and a brighter financial future.

Andrea Woroch
Andrea Woroch

Savings Expert

John Ulzheimer
John Ulzheimer

Credit Expert

Erica Sandberg
Erica Sandberg

Finance Expert

News & Interviews

View the most popular posts on the personal finance industry.

Private Student Loans Can Help Community FIs Skew Younger

Private Student Loans Can Help Community FIs Skew Younger

By: Mike Senecal 2/19/25

You’re probably missing the boat if you’re not searching for fresh winds in mid-February 2025 because if we aren’t in a season of reassessment now — about a month into the Trump administration — then we probably never will be. One potential action item those... read more »

Student Loan Changes May Marginalize Subprime Prospects

Student Loan Changes May Marginalize Subprime Prospects

By: Mike Senecal 2/18/25

Americans who use federal income tax vouchers to send their kids to private secondary schools also tend to believe that government-funded tuition help should stop once students enter college. This irony, which is rooted in the American culture of... read more »

Opinion: Who's Afraid of AI? When it Comes to Credit Scoring, Not Me

Opinion: Who's Afraid of AI? When it Comes to Credit Scoring, Not Me

By: Erica Sandberg 2/17/25

Nerves may be fraying over the rapid rise of the power and influence of artificial intelligence (AI) programs in many industries. Will they help or hinder, and who stands to benefit? In the world of credit reporting and credit scoring, though, I predict that... read more »

Credit Bureaus Embrace Holistic Assessment

Credit Bureaus Embrace Holistic Assessment

By: Mike Senecal 2/14/25

What makes an excellent subprime lending customer? Often, it’s not the consumer’s record of previous credit use because there isn’t one. If there is, it may record past activity that doesn’t accurately represent the consumer’s current ability to repay. Those... read more »

Studies & Research

Explore our latest research and studies on the personal finance industry, as our experts cover topics such as debt, credit scores, banking, insurance, lending, and other key resources for American consumers.

Study Reveals Shifting Patterns in Single-Parent Households

Study Reveals Shifting Patterns in Single-Parent Households

By: Jon McDonald 2/5/25

Single parenting is tough. Dealing with busy schedules, big emotions, and daily... read more »

Study: Many Americans Work 20+ Hours a Week to Afford Groceries

Study: Many Americans Work 20+ Hours a Week to Afford Groceries

By: Jon McDonald 2/3/25

What does it take to put food on the table each week? If you’re fortunate enough to... read more »

Over 110 Million Americans Sell or Regift Unwanted Christmas Presents

Over 110 Million Americans Sell or Regift Unwanted Christmas Presents

By: Jon McDonald 12/16/24

Christmas is a magical time of year for both giving and receiving, and while it’s... read more »

Survey: 72% of US Consumers Aspire to Pay off Debt in 2025

Survey: 72% of US Consumers Aspire to Pay off Debt in 2025

By: Jon McDonald 12/16/24

As a new year approaches, so do new goals. Some of the most common resolutions... read more »

Expert Guides

Need a better understanding of bad credit and how to fix it? Our finance experts have put together a series of step-by-step guides on a variety of bad credit related subjects.

A Guide to Private Mortgage Insurance (PMI)

A Guide to Private Mortgage Insurance (PMI)

By: Eric Bank Posted: 12/31/24

To some folks, insurance is like a porcupine at the picnic — an unwelcome guest. But mortgage lenders have a very different view of life. They don’t like to... read more »

How Purchase Protection Works and Benefits Cardholders

How Purchase Protection Works and Benefits Cardholders

By: Andrew Allen 12/30/24

How Underwriting Helps Lenders Determine Your Creditworthiness

How Underwriting Helps Lenders Determine Your Creditworthiness

By: Eric Bank 12/26/24

How Forbearance Works and When to Request Relief

How Forbearance Works and When to Request Relief

By: Eric Bank 12/24/24

What is a Balloon Payment? A Guide to Lump Sum Payments

What is a Balloon Payment? A Guide to Lump Sum Payments

By: Mike Senecal 12/23/24

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Press Center

Press Center

BadCredit.org is regularly relied upon by leading national news outlets to provide expert commentary on various financial topics. Browse our latest media appearances and citations below.