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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.

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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.

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.

More Than 1 in 4 Americans Carry Debt After Buying Groceries

More Than 1 in 4 Americans Carry Debt After Buying Groceries

By: Lucy Lazarony

Americans aren’t just charging groceries. Many are carrying the debt — and some are missing minimum payments. More than one in four adults ages 18 to 64 bought groceries with credit cards and then carried a balance or missed a minimum payment,... Read More »

Why 36% of Americans Would Go Into Debt to Pay for Travel

Cash App Users Get New Fraud Help After $45M Settlement

For industry news, discussions, and more...

Gen X Optimism Masks Growing Credit Card Debt

Consumers remain optimistic about their finances, but Gen X is showing some of the clearest signs of financial strain. Fifty-five percent of consumers feel optimistic about... Read More »

New-Car Buyers Stretch Loans as Payments Hit Record Highs

Car buyers are stretching their budgets to the limit as they take on record-long loans and record-high payments while putting less money down. Nearly 1 in 4 new-vehicle buyers... Read More »

Massachusetts Plan Would Keep Medical Debt Off Credit Reports

Massachusetts Governor Maura Healey has proposed regulations that would stop medical debt from being reported on consumer credit reports in Massachusetts.  The proposed ban... 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.