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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.

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5 min read

What Number Does Your Credit Score Start at & When?

What Number Does Your Credit Score Start at?

John Ulzheimer

By: John Ulzheimer • 2/12/24

Your credit score or, more accurately credit scores, are used by lenders to assess the risk of doing business with you. If you have good or great scores, you are likely to be approved... read more »

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Browse studies and research from BadCredit.org and around the web.



3 min read

15% of Americans Have Used ChatGPT to Improve Their Credit Scores

15% of Americans Have Used ChatGPT to Improve Their Credit

Jon McDonald

By: Jon McDonald • 2/22/24

BadCredit.org survey reveals that many younger consumers, predominantly Gen Z and millennial males, trust AI tools to help them improve their credit. In today’s digital age, AI isn’t... read more »

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