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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.

What Is a Secured Loan? How Collateral Can Help You Secure Financing

What Is a Secured Loan? How Collateral Can Help You Secure Financing

By: Eric Bank Posted: 12/3/24

Nothing warms up a lender’s heart like good ol’ collateral! Dangle some valued property in front of them, and you’ll likely see that loan approval much quicker.... read more »

A Guide to Alternative Credit Data

A Guide to Alternative Credit Data

By: Eric Bank 12/2/24

What is VantageScore? How the Credit Scoring Model Compares to FICO

What is VantageScore? How the Credit Scoring Model Compares to FICO

By: Eric Bank 12/2/24

Everything You Need to Know About TransUnion Credit Reporting

Everything You Need to Know About TransUnion Credit Reporting

By: Andrew Allen 11/27/24

What is Credit Utilization? How to Manage Your Balances

What is Credit Utilization? How to Manage Your Balances

By: Jon McDonald 11/27/24

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.

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 »

Survey: 28% Donating Time Over Money Due to Finances

Survey: 28% Donating Time Over Money Due to Finances

By: Jon McDonald 11/4/24

The holiday season is synonymous with giving. People give gifts to loved ones, share... read more »

62% Believe Improving Credit Scores Would Boost Mental Health

62% Believe Improving Credit Scores Would Boost Mental Health

By: Jon McDonald 10/31/24

Mental health advocacy and prioritization have taken a front seat in American... read more »

Exclusive Interviews

View the most popular posts on the personal finance industry.

Embracing Change to Serve Youth, Families, and Seniors

Embracing Change to Serve Youth, Families, and Seniors

By: Mike Senecal 11/13/24

Nonprofit social services agencies funded through public/private partnerships are part of the American fabric. Their willingness to embrace change determines whether they outlive their original purpose or fade into irrelevance. HANAC stands as... read more »

Filing for Bankruptcy Can Accelerate Efforts to Rebuild Credit

Filing for Bankruptcy Can Accelerate Efforts to Rebuild Credit

By: Andrew Allen 11/6/24

Filing for bankruptcy isn’t something people include on their bucket lists. But it can be a way to get your credit back on track when you don’t have many other options. Austin Bankruptcy Lawyers guides its clients through the process of filing... read more »

Financial Consultation Contributes to Member Success

Financial Consultation Contributes to Member Success

By: Andrew Allen 11/5/24

If your bank treats you like a number, consider working with a credit union. Maine State Credit Union cares for its members, exemplified by its commitment to its branch network that allows honest conversations to take place between members and... read more »

Unique Products and Programs Spark Financial Education

Unique Products and Programs Spark Financial Education

By: Andrew Allen 10/29/24

Educating people about money before they face life’s biggest financial decisions sounds like a great idea. But kids with plenty of schoolwork already may balk at the suggestion of attending classes outside of school. BankSouth teaches young... 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.