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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.

Why Lower-Income Americans Use Credit Cards to Build Credit

Why Lower-Income Americans Use Credit Cards to Build Credit

By: Lucy Lazarony

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 credit history and building up a credit score is the top reason they... Read More »

Illinois BNPL Law Targets Fees, Interest, and Disputes

Social Security Benefit Cuts Could Hit Americans by 2032

For industry news, discussions, and more...

AI Auto Loan Fraud Could Make It Harder to Get Approved

New auto loans do not always show up on credit reports right away. And thieves count on that window. Before a lender reports the debt to the credit bureaus, a fraudster may... Read More »

Opinion: Gen Z’s Credit Risk Isn’t Recklessness. It’s Costs

Adults between the ages of 18 and 29 are not just trying to make ends meet but are eager to establish a stable life. The economy, though, is making their dreams feel... Read More »

Banks Rush Into Buy Now, Pay Later as Consumer Use Surges

Major banks are responding to the popularity of Buy Now, Pay Later shopping with credit cards and even a debit card that allows shoppers to pay for their shopping over time.... 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.