Home

The Ultimate
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

Meet CreditSentry™ Your AI Credit Advisor

Instant, personalized credit advice powered by AI and trained on thousands of expert-written articles.

Start Chatting Now»

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.

Personal Bankruptcies Rise 12% as Financial Pressure Builds

Personal Bankruptcies Rise 12% as Financial Pressure Builds

By: Andrew Allen

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 2022. Statistics from the Administrative Office of the U.S. Courts... Read More »

New Delaware Law Will Erase Hospital Bills for Some Patients

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

For industry news, discussions, and 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 »

Scam Losses May Be 4X Higher Than Federal Data Show

Americans may be losing far more money to scammers than federal data capture. Many victims report scams to their banks but do not report them to federal authorities. New... Read More »

More Than 1 in 10 Federal Student Borrowers Owe $100K

More than 1 in 10 federal student loan borrowers are carrying balances exceeding $100,000, according to TransUnion’s U.S. Consumer Credit Database. One factor contributing to... 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.

Learn More »
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.