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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.

John Ulzheimer
John Ulzheimer

Credit Expert

Erica Sandberg
Erica Sandberg

Finance Expert

Bobbi Rebell
Bobbi Rebell

CFP®, CFT™

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

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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.

21% of Single Women Say They Could Never Save $15,000 for Egg Freezing

21% of Single Women Say They Could Never Save $15,000 for Egg Freezing

By: Lucy Lazarony 9/2/26

When Rep. Alexandria Ocasio-Cortez recently shared her egg-freezing journey on social... read more »

49% of Parents Delay Bills or Sacrifice Necessities for Back-to-School Costs

49% of Parents Delay Bills or Sacrifice Necessities for Back-to-School Costs

By: Lynn Cadet 8/11/26

Back-to-school season is here. And while this time is typically filled with... read more »

51% of Prediction Market Users Borrowed Money to Fund Bets

51% of Prediction Market Users Borrowed Money to Fund Bets

By: Lynn Cadet 8/5/26

As prediction markets expand across sports, politics, and current events, some... read more »

Best States to Save for a Home Down Payment in 2026

Best States to Save for a Home Down Payment in 2026

By: Lynn Cadet 6/29/26

Saving for a down payment on a home has become one of the biggest financial hurdles... read more »

Industry News

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

Americans Under 30 Lost Nearly $500M to Scams in 2025

Americans Under 30 Lost Nearly $500M to Scams in 2025

By: Andrew Allen

Americans age 29 and younger reported losing nearly $500 million to scams in 2025, up 20% from 2021, according to Federal Trade Commission data cited by FedPayments Improvement. A major scam loss can be especially damaging for young people who... Read More »

Did MOHELA Falsely Say Your Student Loans Were Past Due?

Car Dealer Could Pay $4M Over Alleged Hidden Fees

For industry news, discussions, and more...

Debt Settlement Linked to Bigger Credit Score Drop Than Bankruptcy

Debt settlement may sound less drastic than bankruptcy, but it was associated with a much steeper credit score decline for some consumers. Consumers who entered a debt... Read More »

How a Fake Debt Collector Took $420K From 500 Victims

The debts weren’t real, but the money victims sent certainly was. Nicholas Janes took more than $420,000 by posing as a debt collector. His undoing began with a stream of... Read More »

More Car Loans Are Falling Behind. How to Avoid a Repossession

Fall far enough behind on a car loan, and the lender can take back the keys. More auto loans are moving closer to that point. The share of auto loan accounts at least two... Read More »

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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

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.