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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.

How Length of Credit History Impacts Your Credit & Financing Options

How Length of Credit History Impacts Your Credit & Financing Options

By: Eric Bank Posted: 10/10/24

I was recently surprised when I learned my credit history wasn’t long enough to get top marks from FICO. I’m well past the spring chicken stage, and I thought... read more »

How Loan Agreements Detail Your Rate, Terms, and Repayments

How Loan Agreements Detail Your Rate, Terms, and Repayments

By: Eric Bank 10/9/24

How Loan-to-Value Ratio Impacts Loan Approval

How Loan-to-Value Ratio Impacts Loan Approval

By: Eric Bank 10/8/24

What Does It Mean to Refinance a Loan?

What Does It Mean to Refinance a Loan?

By: Eric Bank 10/7/24

What is a Mortgage? A Look at How Home Loans Work

What is a Mortgage? A Look at How Home Loans Work

By: Eric Bank 10/7/24

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.

Nearly 30% of Americans Don’t Check Their Credit Score Annually

Nearly 30% of Americans Don’t Check Their Credit Score Annually

By: Jon McDonald 9/26/24

Despite inflation, rocket-high interest rates, stagnant wages, and shocking grocery... read more »

The Average American Experiences 22 Financial Microstressors Each Week

The Average American Experiences 22 Financial Microstressors Each Week

By: Jon McDonald 9/12/24

What are the things that keep you up at night? You know, those little stresses and... read more »

Study: 2 in 5 Americans Living Paycheck to Paycheck

Study: 2 in 5 Americans Living Paycheck to Paycheck

By: Jon McDonald 8/27/24

Inflation has taken its toll on the United States. Basic staples like gas and... read more »

Study: Finances Cause 86% of Gen Z & Millennials to Delay Having Children

Study: Finances Cause 86% of Gen Z & Millennials to Delay Having Children

By: Jon McDonald 8/26/24

Having children is one of life’s greatest decisions you can make, but it’s not for... read more »

Exclusive Interviews

View the most popular posts on the personal finance industry.

Advocating for Credit Unions to Advance the Cooperative Mission

Advocating for Credit Unions to Advance the Cooperative Mission

By: Mike Senecal 10/2/24

Member-owned credit unions operate on a not-for-profit cooperative model to offer broader access to financial services than for-profit banking institutions. Since 1934, the Virginia Credit Union League has represented credit unions in Virginia... read more »

Lending Marketplaces Help Borrowers Save Time

Lending Marketplaces Help Borrowers Save Time

By: Andrew Allen 9/25/24

Loans can help people buy their dream cars and consolidate debt, but searching for the right lending product can be time-consuming. Max Cash is a lending marketplace that can help borrowers, including those with bad credit, find loans. The... read more »

Students Earn Micro-Scholarships for High School Achievements

Students Earn Micro-Scholarships for High School Achievements

By: Mike Senecal 9/24/24

When it comes to college financial planning, it pays to get students involved early. Raise Me helps families with students as young as ninth grade explore their options and take action. Micro-scholarships from Raise Me can help students and... read more »

Free Legal Help to Reclaim Your Rights and Repair Your Credit

Free Legal Help to Reclaim Your Rights and Repair Your Credit

By: Mike Senecal 9/24/24

Many victims of identity theft, unauthorized credit card charges, and credit report errors feel overwhelmed at the prospect of fighting against powerful financial firms to recover their lost reputation and funds. Nationwide, Schlanger Law Group... read more »

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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.