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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.

Opinion: Lenders Want to Say 'Yes' to Responsible Borrowing

Opinion: Lenders Want to Say 'Yes' to Responsible Borrowing

By: Erica Sandberg 3/24/25

As anyone in the dating world knows, asking a person out is often fraught with worry. Will they say yes or no? It gets even worse if you’re not exactly at your best at that moment. Maybe you’re not as fit as you’d like to be or your job isn’t exciting enough.... read more »

Consumers Encounter Emergency Cash Shortages

Consumers Encounter Emergency Cash Shortages

By: Andrew Allen 3/21/25

The first few months of 2025 have produced more than a handful of unpredictable developments. For starters, Super Bowl favorites the Kansas City Chiefs didn’t win this year’s big game, which was the first time since the 2021 NFL season that the Chiefs... read more »

Americans Fear Missing Upcoming Debt Payments

Americans Fear Missing Upcoming Debt Payments

By: Andrew Allen 3/19/25

The first few months of 2025 have ushered in economic instability in the U.S. as concerns over trade policies have led the S&P 500 to undergo its first correction in more than one year. But economic uncertainties aren’t just roiling equity markets. They’re... read more »

Opinion: Embracing Credit Education Can Reduce Defaults

Opinion: Embracing Credit Education Can Reduce Defaults

By: Adam West 3/17/25

Spring has sprung here in The Sunshine State. The birds are chirping and the bees are buzzing once again in my home state of Florida, where we’ve just planted the tomatoes and the rest of our spring garden (my apologies to our friends in Minnesota who still... 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.

70% of Job Seekers Worry About Spending Their Life Savings

70% of Job Seekers Worry About Spending Their Life Savings

By: Jon McDonald 3/6/25

What does it take to get out of unemployment? In today’s market, job seekers must... read more »

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 »

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 the Debt Snowball Method?

What is the Debt Snowball Method?

By: Eric Bank Posted: 3/17/25

If you are buried under a mountain of debt and don’t know how to get out, the debt snowball method might be a good place to start. The method can help reduce... read more »

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

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

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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.