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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.

14 Million Americans Face Utility Bills Going to Collections

14 Million Americans Face Utility Bills Going to Collections

By: Andrew Allen

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 million Americans as of March 2026, an analysis by The Century... Read More »

More Bad-Credit Borrowers Are Getting Cards. At What Cost?

FTC Sends 640,000 Grubhub Refunds. See Who Gets Paid

For industry news, discussions, and more...

FTC Moves to Stop Alleged $200M Credit Repair Scheme

Credit Glory promised better credit scores. The Federal Trade Commission says it instead charged people illegal fees, collecting nearly $200 million before a federal court... Read More »

HOA Foreclosure Filings Jump Nearly 40% in Two Years

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... Read More »

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

Duplicate collection accounts can devastate credit scores. Now, roughly 37,000 consumers caught in an alleged Equifax reporting error may be eligible to claim a payment... 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.