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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.

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.

Debt Settlement Linked to Bigger Credit Score Drop Than Bankruptcy

Debt Settlement Linked to Bigger Credit Score Drop Than Bankruptcy

By: Lucy Lazarony

Debt settlement may sound less drastic than bankruptcy, but it was associated with a much steeper credit score decline for some consumers. Consumers who entered a debt settlement program while current on their financial obligations experienced a... Read More »

How a Fake Debt Collector Took $420K From 500 Victims

More Car Loans Are Falling Behind. How to Avoid a Repossession

For industry news, discussions, and more...

Today’s $15K Used Car Has 40,000 More Miles Than in 2019

A $15,000 used car doesn’t buy what it used to. Vehicles selling for $10,000 to $15,000 in 2026 are four years older and have almost 40,000 more miles than those sold in the... Read More »

Extended Warranties Hit Cash-Strapped Car Buyers Hardest

When a major repair bill could throw the household finances into a tailspin, an extended warranty can offer some welcome peace of mind. That may be one reason low-income... Read More »

Equifax Settlement Could Pay 4 Million Consumers Up to $280

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... 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

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.