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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.

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 »

News & Interviews

View the most popular posts on the personal finance industry.

A Credit Card Rate Cap Could Hurt Consumers

A Credit Card Rate Cap Could Hurt Consumers

By: Mike Senecal 2/12/25

It was more than a marriage of convenience last week when Senators Bernie Sanders (I-VT) and Josh Hawley (R-MO) teamed up to push back against credit card interest rates, proposing a five-year 10% cap. Often ideological opposites, Sanders and Hawley share a... read more »

The Bottom-Line Value of Product Innovation

The Bottom-Line Value of Product Innovation

By: Mike Senecal 2/11/25

Moving out of the post-pandemic period and into a new era of promise in 2025, community banks and credit unions need to increase non-deposit income and realized loan terms, among other goals, to compete with larger financial institutions. But they’re losing in... read more »

Opinion: What Prime Audiences Don’t Understand About Subprime

Opinion: What Prime Audiences Don’t Understand About Subprime

By: Adam West 2/10/25

For the past half decade, I’ve been picking the brains of hundreds of the brightest minds in financial services as the Managing Editor for BadCredit.org. BadCredit.org’s expert writing team has been going deep and telling compelling longform stories based on... read more »

Servicemembers Face Auto Loan Challenges

Servicemembers Face Auto Loan Challenges

By: Mike Senecal 2/7/25

Military members often don’t experience a debt crisis as severely as civilians. Not only do they usually pay less than market-rate interest on loans, they also benefit from federal and state protections in foreclosures, repossessions, and court cases... 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.