BadCredit.org was created to help Americans with subpar credit to find the information and resources they need to make successful credit decisions.
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50+
Contributing Experts
27+ million
Total Users
2,000+
Guides & Reviews
Our mission at BadCredit.org is to inform and educate Americans with bad credit, enabling better credit decisions and a brighter financial future.
BadCredit.org features blog posts, how-to guides, studies and other helpful content split into four different sections:
Our blog features industry trends, profiles, interviews, relevant news and more.
We conduct our own studies and research on bad credit ratings and other finance topics.
Our experts publish step-by-step guides on a variety of bad credit related subjects.
Our finance experts rank and review the top credit cards and offers for those with bad credit.
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 is a nonprofit dedicated to building a better tomorrow by educating students today, in order to forge a financially literate America.
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 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."
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.
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.
Credit Expert
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.
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Finance Expert
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. She's the author of "Expecting Money: The Essential Financial Plan for New and Growing Families" and recipient of the 2024 Financial Literacy and Education in Communities (FLEC) Award for National Excellence.
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CFP®
Bobbi Rebell is a Certified Financial Planner® and nationally recognized personal finance expert who specializes in helping individuals build stronger credit and long-term financial stability. Bobbi draws on more than two decades of experience as a staff journalist at Reuters, CNBC, CNN, and PBS, covering credit behavior, financial resilience, and rebuilding strategies after debt.
At BadCredit.org, Bobbi shares accessible, judgment-free guidance to support readers on their journey toward improved credit and greater financial confidence. Her insights have been recently featured in Newsweek, Business Insider, Fast Company, Yahoo! Finance, and many more. Her work focuses on making personal finance approachable and empowering. She has also authored two books on personal finance topics.
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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 lifelong "rich habits."
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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.
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Choncé is a Certified Financial Education Instructor (CFEI) and a nationally recognized personal finance and budgeting expert. She's paid off $50,000+ of personal debt and her debt story has been highlighted in Essence Magazine and on "Good Morning America" as part of its 2020 Debt-Free Decade series. Her work has been featured on sites, including Business Insider, LendingTree, Credit Sesame, Barclaycard, and The New York Post. Choncé was named one of the top financial experts to follow on Instagram by Black Enterprise.
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Eric Bank has been covering business and financial topics since 1985, transforming complex subject matter into clear, accessible insights for consumer audiences. His work regularly appears on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron, and several other respected outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University, and brings a rare blend of technical expertise and financial acumen to his writing.
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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. Andrea hosts a monthly money segment on KTLA Morning News in Los Angeles.
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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.
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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 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 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 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 has 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.
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 has managed content strategy for BadCredit since 2015, partnering with major banks, financial institutions, and media outlets to deliver authoritative personal finance content. Her expert credit card commentary has appeared in top national publications, including CNBC, MarketWatch, Investopedia, Yahoo Finance, and Reader's Digest, establishing her as a trusted voice in the industry.
For nearly 20 years, Andrew has worked for financial institutions ranging from regionally focused investment organizations to some of the largest banks in the world. At Wells Fargo, Andrew was a Consultant within the Insight and Innovation division. A graduate of the University of Georgia’s Terry College of Business, Andrew’s career quest has been promoting personal financial health and well-being.
Lucy Lazarony is a veteran financial journalist with nearly 30 years of experience covering credit, credit cards, and consumer finance. Her work has appeared in top-tier publications, including Investopedia, Next Avenue, the National Endowment for Financial Education (NEFE), and Credit.com, reinforcing her reputation as a leading voice in personal finance journalism.
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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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.
