About Us Hero

BadCredit.org was created to help Americans with subpar credit to find the information and resources they need to make successful credit decisions.

About BadCredit.org

About BadCredit.org

50+

Contributing Experts

10 Million+

Total Users

2,000+

Guides & Reviews

Our Mission

Our mission at BadCredit.org is to inform and educate Americans with bad credit, enabling better credit decisions and a brighter financial future.

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BadCredit.org features blog posts, how-to guides, studies and other helpful content split into four different sections:

Bad Credit Blog

Bad Credit Blog

Our blog features industry trends, profiles, interviews, relevant news and more.

Studies & Research

Studies & Research

We conduct our own studies and research on bad credit ratings and other finance topics.

How-To Guides

How-To Guides

Our experts publish step-by-step guides on a variety of bad credit related subjects.

Reviews

Reviews

Our finance experts rank and review the top credit cards and offers for those with bad credit.

Charities

Charities

In our efforts to realize our mission, we support many financial literacy foundations through charitable contributions to the following nonprofit organizations.

DoughMain Financial Literacy Foundation

DoughMain Financial Literacy Foundation

DoughMain Financial Literacy Foundation is a nonprofit dedicated to building a better tomorrow by educating students today, in order to forge a financially literate America.

Operation HOPE

Operation HOPE

Operation HOPE is a for-purpose organization working to disrupt poverty and empower inclusion for low and moderate-income youth and adults. Operation HOPE's focus is financial dignity and inclusion.

Jump$tart Coalition

Jump$tart Coalition

Jump$tart is a national nonprofit coalition of more than 100 organizations from business, finance, academia, education, government and other sectors, which share a commitment to "financial smarts for students."

BadCredit.org Wealth Wise Scholarship

BadCredit.org Wealth Wise Scholarship

The BadCredit.org Wealth Wise Scholarship is open to US undergraduate and graduate students seeking a career in the finance industry. The scholarship is awarded based on academic merit.

Our Credit Experts

Our Credit Experts

We gathered leading personal finance experts specializing in a range of subprime topics to share timely, actionable advice with readers from around the world. From credit scores and reports to budget management and banking, our veteran journalists boast decades of industry experience.

Andrea Woroch

Andrea Woroch

Savings Expert

Andrea Woroch Featured On

Andrea Woroch is a nationally recognized consumer finance expert, writer, and TV personality who is passionate about helping families find simple ways to spend less and save more without making major sacrifices. Her practical budgeting and savings advice has helped millions of Americans initiate real financial change so they can stress less and spend more time doing the things they love.

As a go-to media expert, Andrea has appeared on popular TV shows such as Today, Good Morning America, FOX & Friends, Dr. OZ, CNN, and MSNBC. Her work has been featured in the The New York Times, USA Today, Forbes, Reader’s Digest, Cosmopolitan, Money, Time, Woman’s Day, Yahoo, among other outlets.

Andrea hosts a monthly money segment on KTLA Morning News in Los Angeles.

John Ulzheimer

John Ulzheimer

Credit Expert

John Ulzheimer Featured On

John Ulzheimer is an expert on credit reporting, credit scoring, and identity theft. The author of four books on the subject, Ulzheimer has been featured thousands of times in media outlets including the Wall Street Journal, NBC Nightly News, New York Times, CNBC, and countless others.

With over 30 years of credit-related professional experience, including with both Equifax and FICO, Ulzheimer is the only recognized credit expert who actually comes from the credit industry.

He has been an expert witness in over 600 credit-related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit. In his hometown of Atlanta, Ulzheimer is a frequent guest lecturer at the University of Georgia and Emory University's School of Law.

Erica Sandberg

Erica Sandberg

Finance Expert

Erica Sandberg Featured On

Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money.

An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. Her book "Expecting Money: The Essential Financial Plan for New and Growing Families" was first released in 2008, and the 2017 edition is out now.

Contributing Experts

Stefanie O'Connell

Stefanie O'Connell

The Wall Street Journal NBC's Today ABC

Stefanie O'Connell is a New York City personal finance writer who lives by making her budget stretch. She shares financial planning, investing, and spending advice with national media outlets, including Bustle, US News and World Report, GoBankingRates, Intuit, CBS News, The Dr. Oz Show, and numerous other finance sites, shows, and podcasts. A graduate of New York University, Stefanie discovered the world of financial planning out of necessity. Her passion lies in helping millennials "develop rich habits" they can use for life.

Erin Lowry

Erin Lowry

FOX NBC The New York Times

Erin Lowry is the founder of Broke Millennial, where she uses sarcasm and humor to explain basic financial concepts to her fellow millennials. She lives and teaches by the slogan "get your financial life together" (#GYFLT) and enjoys sharing pratical money advice with readers on Business Insider, US News & World Report, Forbes, PBS NewsHour, Time.com, and other sites. Erin graduated from New York University debt-free and published her first book, Broke Millennial: Stop Scraping By And Get Your Financial Life Together in 2017.

Linsey Knerl

Linsey Knerl

Time MSN Investopedia

Linsey is a finance blogger, author, and public speaker with a passion for helping everyday families earn more and live better. In addition to covering personal finance and the subprime industry in depth on BadCredit.org, Wise Bread, Investopedia, Business Insider, and the American Express OPEN Forum, among others, she shares her expertise for parents who want to start budget-friendly businesses from home.

Allison Martin

Allison Martin

ABC Yahoo! Finance The Wall Street Journal

Allison Martin is an accomplished writer, public speaker, financial mentor, and digital content strategiest. Her writing has been featured on national media outlets such as The Wall Street Journal, ABC News, MSN Money, Yahoo! Finance, Fox Business, Investopedia, and MoneyTalksNews. She holds a master's degree in accounting and travels the country to speak at colleges, churches, workshops, community centers and even military bases to promote financial literacy.

Hank Coleman

Hank Coleman

AOL The Motley Fool FOX

Hank Coleman is a personal finance expert with a master's degree in finance and a graduate certificate in personal financial planning who is passionate about teaching people how to better manage their money. Hank answers readers’ money questions and writes about investing, retirement, and savings on his website, Money Q&A, in addition to AOL Daily Finance, The Motley Fool, Seeking Alpha, Fox Business, Discover.com, GoBankingRates, and many other leading finance sites.

Gina Roberts-Grey

Gina Roberts-Grey

MSN AOL Yahoo! Finance

Gina Roberts-Grey is an award-winning writer and colunnist who's covered credit, debt, personal finance and insurance for nearly two decades. She’s a frequent contributor to numerous print and online finance outlets such as Investopedia, Entrepreneur, CreditCards.com, Next Avenue, Fox Business, MSN, and many more. Gina is a seasoned journalist with profound writing abilities, having personally interviewed hundreds of celebrities for in-depth magazine profiles.

BadCredit.org Staff

Toby Sembower

Toby Sembower

Founder

Having rebuilt his own credit history in his 20s, Toby is familiar with the many challenges faced by those with poor credit. He founded BadCredit.org and its sister sites, and he now serves as Chairman of the Board. Toby lends his 15 years of credit card industry experience to educate consumers on the responsible use of credit.

Ryan Frankel

Ryan Frankel

Chief Technology Officer

Ryan is currently the CTO at BadCredit.org and works alongside the graphic design, development, and content teams. His knowledge of analytics, algorithms, software, and hardware development allow him to focus on real data and advanced technologies to help users get the best information and out of debt.

Danielle Spurlin

Danielle Spurlin

Finance Manager

Danielle has an academic background in accounting and a professional background in sub-prime lending, adding up to a 10-year stint in the finance industry. Today, she oversees financial operations while working with credit card issuers and advertising partners to ensure our content meets compliance and regulatory standards.

Lillian Guevara-Castro

Lillian Guevara-Castro

Senior Editor

Lillian brings more than 30 years of editing and journalism experience, having written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times. A former business writer and business desk editor, Lillian ensures all BadCredit.org content equips readers with financial literacy.

Adam West

Adam West

Managing Editor

Adam was written, edited, and managed content for news outlets and digital publications for nearly 20 years. Since specializing in finance in late 2016, his editorial focus has been on consumer financial literacy. Adam is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

Jon McDonald

Jon McDonald

Managing Editor

With more than 15 years of journalism expertise, Jon stays apprised of finance trends, influential companies, and financial literacy resources for subprime consumers. He is most knowledgeable in the areas of budgeting, loans, and responsible credit use, and his articles have appeared in publications produced by The New York Times.

Ashley Dull

Ashley Dull

Marketing Manager

Ashley has managed content initiatives for BadCredit since 2015, having worked closely with the world’s largest banks and financial institutions, as well as press and news outlets, to publish comprehensive content. Her credit card commentary is featured on national media outlets, including CNBC, MarketWatch, Investopedia, and Reader's Digest.

Matt Walker

Matt Walker

Contributing Expert

As a BadCredit.org contributor, Matt uses his financial expertise and communications background to keep audiences informed on ways to make their financial lives easier. By exploring the latest fintech, budgeting tools, and financial literacy options, Matt hopes to help subprime consumers move into the prime territory.

Brittney Mayer

Brittney Mayer

Contributing Expert

Brittney is a credit strategist and debt expert with years of experience applying her in-depth knowledge of the credit and personal finance industries to write comprehensive, user-friendly guides on the products and strategies readers can use to make smart financial decisions throughout the credit-building process.

Press/Media

Press/Media

The BadCredit.org team is regularly relied on by national media outlets to provide expert commentary on various personal finance topics.

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Careers

Careers

BadCredit.org fosters a collaborative work environment for goal-oriented professionals. We offer on-the-job perks such as free lunch catered daily, health insurance benefits including free dental and vision, 401(k) plans with employer matching, and daily optional team challenges. Apply below if you have the skillset we're seeking to join our quickly growing team.

Staff Writer

We're actively hiring editorial talent to help produce feature articles, studies, and how-to guides promoting financial literacy.

Senior Staff Writer

We’re seeking talented content producers to create unique, engaging articles for BadCredit.org and its sister brand(s).

Managing Editor

We’re seeking professional editors to help copyedit, format, and perfect content published on BadCredit.org.

Brand Ambassador

We’re seeking driven marketing and communications professionals to help promote the BadCredit.org brand.