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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.

Andrea Woroch
Andrea Woroch

Savings Expert

John Ulzheimer
John Ulzheimer

Credit Expert

Erica Sandberg
Erica Sandberg

Finance Expert

News & Interviews

View the most popular posts on the personal finance industry.

Cash Flow Scoring Is Catching On — Here’s Why Lenders Like It

Cash Flow Scoring Is Catching On — Here’s Why Lenders Like It

By: Eric Bank 6/19/25

Cash flow underwriting didn’t quietly make its way into the spotlight — it kicked the door open. Over the past year, what began as a tool for edge cases has exploded into the mainstream. Lenders fed up with flying blind on paper-thin credit files are now... read more »

Remynt Launches CUSO to Expand Delinquency Recovery Platform

Remynt Launches CUSO to Expand Delinquency Recovery Platform

By: Eric Bank 6/19/25

Credit unions have a new partner in recovering late-stage delinquencies and charge-offs — without sacrificing their members. Remynt, a California-based debt recovery and credit-rebuilding fintech company, secured strategic funding and rolled out a credit union... read more »

Opinion: Credit Issuers Can Help with Student Loan Delinquencies

Opinion: Credit Issuers Can Help with Student Loan Delinquencies

By: Erica Sandberg 6/19/25

The Federal Reserve Bank of New York recently released what at first glance seemed like optimistic numbers.  In the first quarter of 2025, credit card balances fell by $29 billion from the previous quarter, and now stand at $1.18 trillion. With the economy in... read more »

Equifax Unveils Credit Tool to Guide Borrowers and Challenge Rivals

Equifax Unveils Credit Tool to Guide Borrowers and Challenge Rivals

By: Eric Bank 6/18/25

Equifax is counting on personalization once again with the launch of its Optimal Path™ Interactive Score Planner. It helps consumers map the course to improved credit by presenting them with prescriptive monthly actions to boost their VantageScore 3.0 — and... read more »

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: Millennials and Gen Z Report More Financial Regret

Study: Millennials and Gen Z Report More Financial Regret

By: Lynn Cadet 6/18/25

They were raised on budgeting apps, YouTube finance hacks, and “money diaries.” But... read more »

Survey: 1 in 5 Singles Are Going into Debt for Love

Survey: 1 in 5 Singles Are Going into Debt for Love

By: Lynn Cadet 6/2/25

Summer is heating up, and so is the dating scene. But behind rooftop drinks and first... read more »

Study: 1 in 3 Americans Still Haunted by Financial Mistakes

Study: 1 in 3 Americans Still Haunted by Financial Mistakes

By: Lynn Cadet 5/14/25

Money mistakes are a financial burden that most people would rather not discuss.... read more »

Half of Americans Realize Snacks Cost Them More Than Expected

Half of Americans Realize Snacks Cost Them More Than Expected

By: Lynn Cadet 4/24/25

Snacking has become second nature for Americans, with some people skipping meals... read more »

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 to Check Your FICO Score and VantageScore for Free

How to Check Your FICO Score and VantageScore for Free

By: John Ulzheimer Posted: 6/19/25

When you apply for any form of credit, whether that be a credit card, a mortgage loan, or an auto loan, it is almost a certainty that one or more of your credit... read more »

What is Financial Wellness? Why Money Management is Important

What is Financial Wellness? Why Money Management is Important

By: Eric Bank 4/8/25

What is the Debt Snowball Method?

What is the Debt Snowball Method?

By: Eric Bank 3/17/25

How Buy Now, Pay Later (BNPL) Works

How Buy Now, Pay Later (BNPL) Works

By: Eric Bank 3/13/25

A Guide to Private Mortgage Insurance (PMI)

A Guide to Private Mortgage Insurance (PMI)

By: Eric Bank 12/31/24

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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.