About Us

About BadCredit.org

BadCredit.org was created to help Americans with subpar credit to find the information and resources they need to make successful credit decisions. Featuring blog posts, how-to guides, studies and other helpful content, our site's mission is to raise the overall financial awareness of its visitors. Our experts also provide ratings of various financing sources and other services geared toward the subprime market.

About Us

Our Credit Experts

John Ulzheimer, 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 27 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 325 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.

Andrea Woroch, Savings Expert

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. As a go-to media expert, Andrea has appeared on popular TV shows such as Today Show, Good Morning America, FOX & Friends, Dr. OZ, CNN, and MSNBC. 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. Her advice has been featured in The New York Times, USA Today, Forbes, Reader’s Digest, Cosmopolitan, Money, Time, and Woman’s Day, among other outlets. Andrea also hosts a monthly money segment on KTLA Morning News in Los Angeles.

Erica Sandberg, Banking 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. 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.

Aaron Crowe, Finance Writer

Aaron Crowe is a seasoned journalist who specializes in personal finance writing and editing. Aaron has written for a variety of websites, including AOL, Learnvest, US News & World Report, Wells Fargo, WiseBread, AARP, and many insurance and investing sites. He is a self-proclaimed storyteller who enjoys explaining — in layman terms — personal finance and how it affects consumers’ lives. Aaron has several years’ experience working at newspapers as both a reporter and editor where he won several awards, including a Pulitzer Prize.

Ashley Dull, Finance Editor

Ashley Dull is a finance editor for BadCredit.org, where she works with a team of finance experts and journalists who develop in-depth industry profiles and advice articles read by more than 15 million Americans. Her years of experience reporting on consumer credit scores and reports positions Ashley to make smart recommendations on ways to improve one’s credit and avoid predatory lending. She often serves as an expert source on financial topics for national media outlets, including CNN Money, MarketWatch, Money Matters, ABC News, Kiplinger, and NBC News. Connect with Ashley on LinkedIn and Twitter.

Adam West, Finance Editor

Adam West is a finance editor for BadCredit.org, where he regularly coordinates with 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.

Stefanie O'Connell, Finance Writer

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.

Brittney Mayer, Finance Writer

Brittney Mayer is a credit strategist and contributing editor for BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides aimed at helping readers make educated financial decisions on the path to building better credit. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on a variety of websites, including the National Foundation for Credit Counseling, US News & World Report, NBC News,TheSimpleDollar.com, CreditRepair.com, Lexington Law, CardRates.com, and CreditCards.com, among others.

Other Contributors

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Connect With Us

If you have a poor credit score, BadCredit.org is your official resource for news, reviews, and much more. Be sure to follow BadCredit.org on Twitter, Google+, and Facebook as we guide you through the subprime world to a brighter financial future.

Media Inquiries

Our finance experts appear on major networks and financial publications regularly, and we are happy to accommodate any and all media requests. Please contact us anytime for input and expertise on a broad range of financial topics.

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