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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®

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.

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 »

States with the Most Intense Sports Betting Activity

States with the Most Intense Sports Betting Activity

By: Lynn Cadet 5/27/26

America is currently experiencing a sports betting boom. From 2020 to 2025, the money... read more »

3 in 4 Say You Should Have Money Set Aside to Leave a Relationship

3 in 4 Say You Should Have Money Set Aside to Leave a Relationship

By: Lynn Cadet 5/11/26

Most people don’t walk into a relationship thinking it will end. Yet protective... read more »

Industry News

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

Massachusetts Plan Would Keep Medical Debt Off Credit Reports

Massachusetts Plan Would Keep Medical Debt Off Credit Reports

By: Lucy Lazarony

Massachusetts Governor Maura Healey has proposed regulations that would stop medical debt from being reported on consumer credit reports in Massachusetts.  The proposed ban targets healthcare providers and debt collectors working for healthcare... Read More »

Even Baby Boomers Fall Short of Retirement Savings Goals

Minnesota AG Sues Brigit Over Alleged Payday Loans

For industry news, discussions, and more...

Why Lower-Income Americans Use Credit Cards to Build Credit

How much you make may determine how you use your credit cards. According to a study by Credit One Bank, 37% of surveyed consumers earning $50,000 or less a year say building... Read More »

Illinois BNPL Law Targets Fees, Interest, and Disputes

Buy now, pay later loans can look like an easy way to cover groceries, rent, or everyday purchases when money is tight. But Illinois lawmakers say those short-term payment... Read More »

Social Security Benefit Cuts Could Hit Americans by 2032

Social Security benefits could be cut by 22% in 2032 unless Congress steps in with legislation to keep the program fully funded. The Old Age and Survivors Insurance Trust Fund... 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.