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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®

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.

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 »

74% of Expectant Parents Say They Can't Buy or Lease a New Car

74% of Expectant Parents Say They Can't Buy or Lease a New Car

By: Lynn Cadet 4/23/26

While bad credit has long been a deterrent to long-term financial goals such as home... read more »

Industry News

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

Banks Rush Into Buy Now, Pay Later as Consumer Use Surges

Banks Rush Into Buy Now, Pay Later as Consumer Use Surges

By: Lucy Lazarony

Major banks are responding to the popularity of Buy Now, Pay Later shopping with credit cards and even a debit card that allows shoppers to pay for their shopping over time. How popular is BNPL with consumers? According to a survey by JD Power... Read More »

The Rental Application Red Flag Landlords Can't Afford to Miss

Impostor Fraud's $3.5 Billion Toll Highlights Growing Scam Threat

For industry news, discussions, and more...

Gen Z Is Asking ChatGPT How to Fix Their Credit Scores

Gen Z is not afraid to turn to AI for help. According to a study by Credit One Bank, 32% of Gen Zers say they have used AI tools such as ChatGPT, Gemini, or Copilot to help... Read More »

401(k) Withdrawals Rise as More Americans Face Cash Crunch

Many U.S. workers chose to tap into their retirement accounts to manage their household finances in the first quarter of this year. An increase in the number of consumers... Read More »

Consumer Financial Stress at Near Record Levels

Americans are stressed about their finances. The forces of economic volatility and inflation are putting a squeeze on household budgets. And many Americans are turning 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.

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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.