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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.

HOA Foreclosure Filings Jump Nearly 40% in Two Years

HOA Foreclosure Filings Jump Nearly 40% in Two Years

By: Lucy Lazarony

In some states, falling behind on homeowners association (HOA) dues could lead to foreclosure on your home or condo, even if you have kept up with every mortgage payment. And HOA-related foreclosure filings are on the rise. In the first quarter... Read More »

Some Equifax Customers Can Claim Up to $600 by Sept. 1

Auto Loan Payments Have Jumped Nearly 40% Since 2019

For industry news, discussions, and more...

OppFi Bank Could Bring Triple-Digit Loans Nationwide

OppFi could bring loans with APRs as high as 195% to borrowers nationwide if federal regulators approve its proposed acquisition of BNC National Bank, consumer advocates warn.... Read More »

Personal Bankruptcies Rise 12% as Financial Pressure Builds

Americans filed for bankruptcy far more often in 2025 than they did in 2024, continuing a trend in non-business bankruptcy filings that has seen them increase every year since... Read 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 »

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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

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.