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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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Instant, personalized credit advice powered by AI and trained on thousands of expert-written articles.

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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.

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 »

1 in 3 Americans Would Have a Baby for $1,000 — Even Though It Costs $300K to Raise One

1 in 3 Americans Would Have a Baby for $1,000 — Even Though It Costs $300K to Raise One

By: Lynn Cadet 6/11/26

Despite a $1,000 government incentive, most Americans remain hesitant to have more... read more »

Industry News

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

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

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

By: Lucy Lazarony

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 months behind climbed to 1.33% in the second quarter of 2026. That number... Read More »

Today’s $15K Used Car Has 40,000 More Miles Than in 2019

Extended Warranties Hit Cash-Strapped Car Buyers Hardest

For industry news, discussions, and more...

Equifax Settlement Could Pay 4 Million Consumers Up to $280

Millions of Equifax customers may soon receive a payment after a coding error allegedly sent incorrect information about their credit to lenders and other businesses. The... Read More »

Student Loan Bill Would Protect Seniors' Social Security Checks

Student loan debt can follow borrowers into retirement, and take a bite out of their Social Security checks. Sen. Bernie Sanders and two Democratic colleagues want to stop... Read More »

14 Million Americans Face Utility Bills Going to Collections

A new analysis finds that higher home energy costs are pushing millions of Americans toward collections. Utility debt had reached or was approaching collections for roughly 14... 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.