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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.

56% of Online-Influenced Home Shoppers Faced Debt or Financial Setbacks

56% of Online-Influenced Home Shoppers Faced Debt or Financial Setbacks

By: Andrew Allen 9/9/26

Keeping up with the Joneses used to entail making sure one’s home and yard looked... read more »

21% of Single Women Say They Could Never Save $15,000 for Egg Freezing

21% of Single Women Say They Could Never Save $15,000 for Egg Freezing

By: Lucy Lazarony 9/2/26

When Rep. Alexandria Ocasio-Cortez recently shared her egg-freezing journey on social... read more »

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 »

Industry News

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

Colorado Alleges EarnIn Cash Advances Topped 1,000% APR

Colorado Alleges EarnIn Cash Advances Topped 1,000% APR

By: Lucy Lazarony

Cash advances with alleged APRs topping 1,000% are at the center of Colorado’s lawsuit against EarnIn. Colorado Attorney General Phil Weiser filed the lawsuit, accusing EarnIn of illegal, high-cost lending, deceptive practices, and violations of... Read More »

Florida Utility Offers Eligible Customers a $200 Bill Credit

Student Loan Borrowers Have Until Sept. 30 for 1% Cut

For industry news, discussions, and more...

Americans Under 30 Lost Nearly $500M to Scams in 2025

Americans age 29 and younger reported losing nearly $500 million to scams in 2025, up 20% from 2021, according to Federal Trade Commission data cited by FedPayments... Read More »

Did MOHELA Falsely Say Your Student Loans Were Past Due?

MOHELA warned some student loan borrowers that they were severely past due even though they owed nothing. Sens. Elizabeth Warren (D-Mass.) and Jeff Merkley (D-Ore.) are... Read More »

Car Dealer Could Pay $4M Over Alleged Hidden Fees

A Connecticut Nissan dealership accused of piling thousands of dollars in hidden and unauthorized fees onto vehicle purchases could pay $4 million to settle the case. The... Read More »

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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.