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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

Meet CreditSentry™ Your AI Credit Advisor

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.

Equifax Settlement Could Pay 4 Million Consumers Up to $280

Equifax Settlement Could Pay 4 Million Consumers Up to $280

By: Lucy Lazarony

Millions of Equifax customers may soon receive a payment after a coding error allegedly sent incorrect information about their credit to lenders and other businesses. The proposed $100 million settlement could put approximately $95 to $280 in... Read More »

Student Loan Bill Would Protect Seniors' Social Security Checks

14 Million Americans Face Utility Bills Going to Collections

For industry news, discussions, and more...

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

More credit card accounts are being opened for Americans with damaged credit, but those new accounts may come with costly strings attached. New TransUnion data shows that... Read More »

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

Your latest Grubhub delivery may not be coming with a side of fries. Instead, the Federal Trade Commission is serving up $23.8 million in payments to drivers and diners... Read 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 »

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.