Adam West

News Editor
Adam West

About the Author

Adam West is a finance editor for BadCredit.org, where he has interviewed over 500 financial experts and industry movers and shakers to report the latest information, news, and advice on topics related to helping subprime borrowers achieve greater financial literacy and improved credit scores. Adam has more than a dozen years of editing, writing, and graphic design experience for award-winning print and online publications, and specializes in the areas of credit scores, subprime financial products and services, and financial education.

Latest Posts

Worked On 866 Articles To Date

Blog

364 views

3 min read

New FICO Score Uses Cash Flow Data to Expand Credit Access

New FICO Score Uses Cash Flow Data to Expand Credit Access

FICO has launched UltraFICO Score, a FICO score that uses consumer-permissioned cash flow data from Plaid. FICO says its scores are used by 90%... read more »

By: Lucy Lazarony • 6/9/26

Blog

360 views

5 min read

Trump Accounts for Kids: Who Qualifies for the Free $1,000?

Trump Accounts for Kids: Who Qualifies for the Free $1,000?

Not many parents look at a newborn and think about the baby’s retirement savings. But if they do, they may wish to open a Trump account, a new... read more »

By: Lucy Lazarony • 6/8/26

Blog

806 views

3 min read

No Down Payment, 660 Credit Score: New Mortgage Expands Access

No Down Payment, 660 Score: New Mortgage Expands Access

A new mortgage pilot program offers a lifeline to homebuyers with little savings and not the best credit. These loans come with no down payment... read more »

By: Lucy Lazarony • 6/5/26

Blog

1,632 views

5 min read

7 Million SAVE Borrowers Face a 90-Day Clock Starting July 1

7 Million SAVE Borrowers Face a 90-Day Clock Starting July 1

The U.S. Department of Education is sending a second round of notices to about 7 million SAVE plan borrowers before official transition letters... read more »

By: Adam West • 6/4/26

Blog

1,638 views

5 min read

Trump’s May 19 Order Pulls Immigration Into Credit Underwriting

Trump's May 19 Order Pulls Immigration Into Credit Underwriting

President Trump signed an executive order directing regulators to provide guidance on how lenders should consider immigration status — including... read more »

By: Adam West • 6/3/26

Blog

2,736 views

3 min read

Study Finds 35% of Subprime Consumers Have No Credit Cards

Study Finds 35% of Subprime Consumers Have No Credit Cards

They are 44 million strong and make up 17% of U.S. consumers. They are the people with subprime credit scores, and many have no credit cards or... read more »

By: Lucy Lazarony • 6/2/26

Blog

2,916 views

3 min read

Opinion: Lenders Should Stop Trusting Credit Scores Alone

Opinion: Lenders Should Stop Trusting Credit Scores Alone

Recent changes in the credit reporting and scoring systems, as well as loopholes in the reporting process, are negatively impacting subprime... read more »

By: Erica Sandberg • 6/1/26

Blog

3,502 views

3 min read

Rent Payments May Now Help You Qualify for a Mortgage

Rent Payments May Now Help You Qualify for a Mortgage

The Federal Housing Administration (FHA), Fannie Mae and Freddie Mac are moving toward broader use of new credit-scoring models that consider an... read more »

By: Lucy Lazarony • 5/29/26

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