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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.

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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.

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 »

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 »

Industry News

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

Auto Loan Payments Have Jumped Nearly 40% Since 2019

Auto Loan Payments Have Jumped Nearly 40% Since 2019

By: Lucy Lazarony

The average monthly payment on a new vehicle loan has climbed to $785 a month, up almost 40% since 2019, according to TransUnion’s Q2 2026 Credit Industry Insights Report. Vehicle price, amount financed, down payment, interest rate, and term of... Read More »

OppFi Bank Could Bring Triple-Digit Loans Nationwide

Personal Bankruptcies Rise 12% as Financial Pressure Builds

For industry news, discussions, and more...

New Delaware Law Will Erase Hospital Bills for Some Patients

A new Delaware law will eliminate hospital bills for some low-income patients and provide new protections against medical debt collection. Signed July 20 by Gov. Matt Meyer,... Read More »

Rent-Splitting App Flex Wants to Become an FDIC-Insured Bank

Flex Rent has helped more than 3 million consumers split their rent payments since it launched in 2020. Now the company behind it wants to become a chartered bank. Flexible... Read More »

Oregon Says BNPL Lenders Need Payday Lending Licenses

Oregon just reminded Buy Now, Pay Later lenders that they need to follow state payday lending and consumer finance rules for some installment-based loans made in The Beaver... 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.