Home

The Ultimate
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.

John Ulzheimer
John Ulzheimer

Credit Expert

Erica Sandberg
Erica Sandberg

Finance Expert

Bobbi Rebell
Bobbi Rebell

CFP®

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.

Personal Credit Assistant

Meet CreditSentry™ Your AI Credit Advisor

Instant, personalized credit advice powered by AI and trained on thousands of expert-written articles.

Start Chatting Now»

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.

1 in 3 Americans Would Have a Baby for $1,000 — Even Though It Costs $300K to Raise One

1 in 3 Americans Would Have a Baby for $1,000 — Even Though It Costs $300K to Raise One

By: Lynn Cadet 6/11/26

Despite a $1,000 government incentive, most Americans remain hesitant to have more... read more »

States with the Most Intense Sports Betting Activity

States with the Most Intense Sports Betting Activity

By: Lynn Cadet 5/27/26

America is currently experiencing a sports betting boom. From 2020 to 2025, the money... read more »

3 in 4 Say You Should Have Money Set Aside to Leave a Relationship

3 in 4 Say You Should Have Money Set Aside to Leave a Relationship

By: Lynn Cadet 5/11/26

Most people don’t walk into a relationship thinking it will end. Yet protective... read more »

74% of Expectant Parents Say They Can't Buy or Lease a New Car

74% of Expectant Parents Say They Can't Buy or Lease a New Car

By: Lynn Cadet 4/23/26

While bad credit has long been a deterrent to long-term financial goals such as home... read more »

Industry News

Authoritative daily news and insights on the subprime industry by our team of dedicated experts and reporters.

Opinion: Gen Z’s Credit Risk Isn’t Recklessness. It’s Costs

Opinion: Gen Z’s Credit Risk Isn’t Recklessness. It’s Costs

By: Erica Sandberg

Adults between the ages of 18 and 29 are not just trying to make ends meet but are eager to establish a stable life. The economy, though, is making their dreams feel increasingly unrealistic.  New research from Bank of America found that Gen... Read More »

Banks Rush Into Buy Now, Pay Later as Consumer Use Surges

The Rental Application Red Flag Landlords Can't Afford to Miss

For industry news, discussions, and more...

Impostor Fraud's $3.5 Billion Toll Highlights Growing Scam Threat

That trusted source — an email alert from your bank about a security breach, a caller impersonating a family member in trouble — can’t be trusted after all. Impostors are... Read More »

Gen Z Is Asking ChatGPT How to Fix Their Credit Scores

Gen Z is not afraid to turn to AI for help. According to a study by Credit One Bank, 32% of Gen Zers say they have used AI tools such as ChatGPT, Gemini, or Copilot to help... Read More »

401(k) Withdrawals Rise as More Americans Face Cash Crunch

Many U.S. workers chose to tap into their retirement accounts to manage their household finances in the first quarter of this year. An increase in the number of consumers... 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.

Learn More »
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.