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Bad Credit Resource

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

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

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.

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 »

Survey Unveils Americans Prefer Payday For Quick Cash

Survey Unveils Americans Prefer Payday For Quick Cash

By: Jon McDonald 11/21/24

A short-term loan may be the only viable option for many people who cannot access... read more »

Teen Pregnancies Decline But Young Parents Still Face Financial Woes

Teen Pregnancies Decline But Young Parents Still Face Financial Woes

By: Jon McDonald 11/7/24

Any pregnancy is life-changing, but when you’re a teenager, the effects can be... read more »

Exclusive Interviews

View the most popular posts on the personal finance industry.

Going the Extra Mile to Provide Financial Education

Going the Extra Mile to Provide Financial Education

By: Andrew Allen 1/9/25

People learn in different ways, which is why it’s important for individuals to have options when it comes to furthering their education. Financial Plus Credit Union offers a wide range of educational resources so members can choose how and when... read more »

Fix Your Finances With Intelligent Credit Repair Software

Fix Your Finances With Intelligent Credit Repair Software

By: Andrew Allen 1/9/25

Engaging with a credit expert can help you repair your finances. But if you think working with a credit professional will be a burden on your time and wallet, consider partnering with Credit Versio. The company’s intelligent software scans... read more »

A Pre-Litigation Credit Repair Solution Can Improve Your Score

A Pre-Litigation Credit Repair Solution Can Improve Your Score

By: Mike Senecal 12/18/24

If David Payne gets himself into trouble, he’s going to be the one to get himself out. For example, after Payne experienced a financial setback and declared bankruptcy in 2016, he embarked on extensive research to learn how to repair his credit... read more »

Lower Overdraft Fees May Be Right Around the Corner

Lower Overdraft Fees May Be Right Around the Corner

By: Andrew Allen 12/17/24

Overdraft fees have been a subject of debate throughout the 21st century. Consumers and watchdog agencies hold that overdraft fees are more expensive than they should be. But financial institutions would like to see competitive forces set rates... read more »

Charities We Support

BadCredit.org supports charities who promote and foster financial literacy.

In our efforts to realize our site's mission, we support many financial literacy foundations by making financial contributions to the following non-profit organizations. Learn about each charity and why we support them.

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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.