10 Cities Where Students Earn the Highest Math Test Scores
The United States has a math problem but it’s not the kind that can be solved with a simple formula or even an... read more »
By: Matt Walker • 2/28/19
“BadCredit.org Finance Studies: Discover the latest studies and research on subprime credit, from how a bad credit rating comes about to how it affects one’s economic outlook. Follow this section daily to stay updated!”
Ashley Dull, Editor-in-Chief
Education
43,911 views
19 min read
The United States has a math problem but it’s not the kind that can be solved with a simple formula or even an... read more »
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Economy
38,272 views
33 min read
Peppered across the western U.S. are a number of forgotten towns that are now home to little more than tumbleweeds.... read more »
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Economy
47,091 views
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We’ve all seen the click-worthy lists full of the “best places to live,” complete with the glossy photos of... read more »
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43,836 views
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Ah, the smell of a new car. That alluring, straight-from-the-factory fragrance of polyurethane and freshly laid... read more »
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Mortgages
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100,000+ views
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100,000+ views
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Although I don’t know where, exactly, I’m convinced that somewhere lies an immense mountain of missing socks... read more »
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Credit Card Debt
100,000+ views
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Already approaching 7.5 billion halfway through 2017, the world population is projected to top the 8 billion mark... read more »
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Credit Scores
100,000+ views
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![3 Studies Show the Average Credit Score by Age & Generation ([current_year])](https://www.badcredit.org/wp-content/uploads/studyage_geo-gr-350x180.png "3 Studies Show the Average Credit Score by Age & Generation ([current_year])")
In personal finance, credit scores are what make the world — or, at least, the lines of credit — go ’round. So it’s... read more »
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Medical Debt
100,000+ views
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Your credit score is a reflection of the age, type, size, and general standing of the myriad accounts that make up... read more »
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Get Out of Debt
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Doing just a little bit of research into the best and fastest ways to pay down your debt will return the same... read more »
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Credit Cards
100,000+ views
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Earlier this month, Lexington Law Firm published “Credit Cards: What We Found In The Fine Print,” a series of... read more »
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Credit Cards
100,000+ views
9 min read
In a Nutshell: Paying off credit cards can improve credit scores substantially as outstanding debt is the second... read more »
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Student Debt
100,000+ views
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Student loans are the hot topic of the financial world lately, and for good reason. The number of students... read more »
By: Logan Ladnyk • 6/15/15
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100,000+ views
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You’ve been reading BadCredit.org all year, working on paying off your debt as our how-to guides help you achieve... read more »
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Student Debt
100,000+ views
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With the cost of a four-year college education continuing to hit new highs, millennials aren’t the only ones... read more »
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100,000+ views
33 min read
In a nutshell: Which business schools are contributing the most reliable, quality research to the economics... read more »
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Economy
100,000+ views
13 min read
In a nutshell: A new study from the University of New Mexico found many undocumented immigrants are severely... read more »
By: BadCredit.org Staff • 1/11/18
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100,000+ views
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In a nutshell: When bankruptcy exemption levels increase, the wealthy tend to invest less in risky unsecured... read more »
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Economy
100,000+ views
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In a nutshell: A combination of overconfidence, selective memory and high liquidity explains why financial crises... read more »
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Credit Cards
100,000+ views
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A traditional finance study may not seem like interesting reading, but we can learn a great deal about the typical... read more »
By: Linsey Knerl • 5/7/18
Bankruptcy
100,000+ views
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Bankruptcy is a measure of last resort for the overindebted consumer, presumably offering a fresh financial start... read more »
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Bankruptcy
100,000+ views
9 min read
Back in November 2014, The New York Times shed light on a disturbing trend among some of the nation’s biggest... read more »
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Mistakes
100,000+ views
21 min read
In a nutshell: Americans love to consume, but living a life of excess — especially with your finances — can lead to... read more »
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Bankruptcy
100,000+ views
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Bankruptcy is one of the most effective yet misunderstood forms of consumer protection in the legal system. Instead... read more »
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100,000+ views
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100,000+ views
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The Internet has a track record of cultivating uncanny new technologies that challenge markets, playing the role of... read more »
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100,000+ views
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For someone with bad credit, figuring out retirement can be a tricky task. Chances are your finances are already... read more »
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Economy
100,000+ views
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Every year the U.S. Federal Bureau of Investigation releases data through the Uniform Crime Reporting (UCR) Program... read more »
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Economy
100,000+ views
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Good Credit
100,000+ views
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Anyone paying attention to news reports during the collapse of our banking system was treated to detailed... read more »
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Effects
100,000+ views
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Admittedly, credit scores can seem perplexing sometimes. You likely have three different FICO scores, depending on... read more »
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Credit Scores
100,000+ views
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Impatience can lead to many problems like extra stress, high blood pressure and a quick temper. A new study... read more »
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Credit Reports
100,000+ views
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So you think the only thing that suffers when you have bad credit is your ability to take out a loan? Think again.... read more »
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Loans
100,000+ views
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A pair of researchers from Duke and Chapman Universities wondered: Why did Western Europe become an economic... read more »
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“[Health care] is a cost that now causes a bankruptcy in America every 30 seconds,” President Obama said in his... read more »
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100,000+ views
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100,000+ views
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A recently published research paper by computer scientist Randy Olson suggests height may be determined by economic... read more »
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Credit Scores
100,000+ views
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Students who complete state-mandated financial literacy courses in high school tend to have higher credit scores... read more »
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If you’re meeting someone for the first time and trying to come up with a topic for conversation, don’t bring up... read more »
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100,000+ views
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Social media has come a long way since the early days of Facebook and Myspace. What started out as a virtual social... read more »
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100,000+ views
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Talking to aging parents about money, retirement and estate planning is a challenge for even the most open... read more »
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100,000+ views
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American consumers are still addicted to credit, buried in debt and embarrassed about it, according to recent data... read more »
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100,000+ views
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The easiest way to get bad credit is by not paying your bills. Anyone who’s missed even a single payment on their... read more »
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100,000+ views
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Your insurance rates could more than double if you have no credit history, according to a recent survey by... read more »
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100,000+ views
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A study by the National Foundation for Credit Counseling finds when it comes to personal finance and money... read more »
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100,000+ views
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Medical Debt
100,000+ views
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[Edit 8/7/2014: FICO plans to transition to a new credit scoring model where people with only medical debt will... read more »
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Economy
100,000+ views
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The financial crisis and subsequent Great Recession of 2008 appears to shaping the long-term savings strategies of... read more »
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Credit Card Debt
100,000+ views
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A recent credit card debt study shows U.S. consumers continue to pay off credit card debt at a rate of $32.5... read more »
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Student Debt
100,000+ views
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A new report published by the Institute for Policy Studies (IPS) finds student debt is rising faster at state... read more »
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Millennials
100,000+ views
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When it comes to understanding credit scores and how they’re used, it turns out Millennials – those aged 18 to 34... read more »
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Debt
100,000+ views
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While many Americans continue to repair their finances following the Great Recession, the overall amount of... read more »
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Mortgages
100,000+ views
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Tight credit markets since the Great Recession continue to dampen mortgage originations in Ohio and several other... read more »
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Accounts
100,000+ views
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While 92 percent of Americans say they are concerned with checking account fees, only 44 percent have free checking... read more »
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Family
100,000+ views
1 min read
A new study conducted by the University of Wisconsin-Madison and Cornell University looked at the effects of the... read more »
By: Mike Randall • 3/8/16
Banks
100,000+ views
3 min read
About or aboot? Sorry, Canada. We had to do it. According to a recently released FICO survey, bankers in Canada are... read more »
By: Mike Randall • 3/9/16
Banks
100,000+ views
1 min read
In their 9th annual Credit Card Issuers Identity Scorecard, Javelin Research has named Bank of America as “Best in... read more »
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Budgeting
100,000+ views
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Recent growth in the use of prepaid credit cards may be fueled by consumers looking to change bad spending habits.... read more »
By: Mike Randall • 7/24/14
Economy
100,000+ views
1 min read
Income inequality in America has been out of the headlines for the most part since the Occupy Wall Street movement... read more »
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Taxes
100,000+ views
1 min read
A new study conducted by BMO Harris Bank showed an overwhelming majority of Arizonans feel confident with the job... read more »
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Millennials
100,000+ views
1 min read
In a recent study, the FINRA Investor Education Foundation found millennials (those between the ages of 18 and 34)... read more »
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Banks
100,000+ views
1 min read
A recent survey of the 50 largest credit unions in the U.S. showed most still offer free standalone checking... read more »
By: Mike Randall • 7/24/14
Business
100,000+ views
1 min read
In a recent study of small- to medium-sized businesses, it was found many business owners use their personal credit... read more »
By: Mike Randall • 3/7/16
Credit Cards
100,000+ views
1 min read
A study released recently by the Pew Charitable Trusts showed U.S. consumers are using prepaid credit cards more... read more »
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Debt
100,000+ views
1 min read
Americans know all about consumer debt – sometimes it seems like we almost invented it. But the fact is our... read more »
By: Mike Randall • 7/24/14
Bills
100,000+ views
1 min read
A new study carried out recently in Britain showed families with poor credit are paying more for their broadband... read more »
By: Mike Randall • 7/24/14
Fraud
100,000+ views
1 min read
In a recent annual fraud study conducted by Javelin Strategy and Research, it was reported a new occurrence of... read more »
By: Mike Randall • 7/24/14
Banks
100,000+ views
1 min read
According to a recent study conducted by a group of Cambridge researchers, the credit crisis of 2008 and beyond may... read more »
By: Mike Randall • 7/24/14
Health
100,000+ views
1 min read
When President Obama laid out the plans for his Affordable Care Act, also known as Obamacare, he used... read more »
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Family
100,000+ views
1 min read
A study released recently by the Corporation for Enterprise Development shows nearly half of households in... read more »
By: Mike Randall • 9/2/14
Divorce
100,000+ views
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As our economy continues to slowly improve from the effects of the Great Recession, most of the news is good.... read more »
By: Mike Randall • 7/24/14
Debt
100,000+ views
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According to a new report from the National Center for Policy Analysis, Americans aged 65 and older are carrying... read more »
By: Mike Randall • 7/24/14
Get Out of Debt
100,000+ views
1 min read
Being in debt is often the result of many factors, but no matter why or how you find yourself in debt, paying it... read more »
By: Mike Randall • 7/24/14
Credit Cards
100,000+ views
1 min read
The numbers are in and this year’s holiday retail spending increase was pretty decent after all. The expectation... read more »
By: Mike Randall • 7/24/14
Apps
100,000+ views
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It seems small businesses have little loyalty to their current financial institutions and would likely switch for a... read more »
By: Mike Randall • 7/24/14
Credit Unions
100,000+ views
1 min read
In recent years, the rate of interest charged for home mortgages has been at historic lows. While this has led to a... read more »
By: Mike Randall • 7/24/14
Food
100,000+ views
1 min read
A recent study in the journal Obesity seems to show a relationship between students eating habits and the way they... read more »
By: Mike Randall • 7/24/14
Family
100,000+ views
1 min read
Managing a relationship isn’t always easy, and there are many challenges along the way. One of the biggest... read more »
By: David Andrew • 7/24/14
Saving
100,000+ views
1 min read
If you want to be happier in 2014, you may want to start putting more money in your savings account. A new survey... read more »
By: David Andrew • 7/24/14
Bills
100,000+ views
1 min read
When it comes to money priorities, Americans are focused on the basics: paying their bills on time and paying off... read more »
By: David Andrew • 7/24/14
Economy
100,000+ views
1 min read
During the U.S. housing bubble, lenders were giving out too many mortgages to unqualified borrowers, which... read more »
By: David Andrew • 7/24/14
Debt
100,000+ views
1 min read
It may be no surprise to those between the ages of 19 and 29 (the so-called Millennial Generation) that a recent... read more »
By: Mike Randall • 7/24/14
Credit Card Debt
100,000+ views
1 min read
The Credit Card Accountability Responsibility and Disclosure, or CARD Act, was ratified by Congress and signed into... read more »
By: Mike Randall • 7/24/14
Identity Theft
100,000+ views
1 min read
On a study conducted by Javelin Strategy and research, it was shown one-quarter of the people whose credit card... read more »
By: Mike Randall • 7/24/14
Debt Collectors
100,000+ views
1 min read
To protect consumers, state governments sometimes create laws that restrict the ability of creditors and debt... read more »
By: David Andrew • 7/24/14
Economy
100,000+ views
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We are all aware home values took a big hit during the recession, but some areas were hit harder than others. A... read more »
By: Mike Randall • 7/24/14
Credit Card Debt
100,000+ views
1 min read
The middle class in American society has been dramatically affected by the recent credit crisis and subsequent... read more »
By: Mike Randall • 7/25/14
Identity Theft
100,000+ views
1 min read
As our lives move online, it isn’t always easy to protect our personal information. Teens and young adults are... read more »
By: David Andrew • 7/24/14
Debt
100,000+ views
1 min read
The American and Canadian economies have always been pretty closely tied to each other. For this reason, it should... read more »
By: Mike Randall • 7/24/14
Banks
100,000+ views
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With key U.S. interest rates still at historic lows of around .25 percent, banks are finding it tough to make any... read more »
By: Mike Randall • 7/24/14
Credit Card Debt
100,000+ views
1 min read
Americans continue to hold less credit card debt says a new report from the credit reporting agency TransUnion. The... read more »
By: David Andrew • 8/1/14
Credit Cards
100,000+ views
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The calculation of our credit scores has always been a bit of a mystery to many people. We know they are important... read more »
By: Mike Randall • 3/8/16
Couples
100,000+ views
1 min read
With the holiday season upon us, some couples are more likely than others to feel anxiety and fear around holiday... read more »
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Credit Cards
100,000+ views
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The American government recently launched a series of new credit card regulations with the idea of protecting... read more »
By: David Andrew • 8/1/14
Mortgages
100,000+ views
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Government-sponsored entities (GSEs) like Fannie Mae and Freddie Mac play a huge role in the U.S. housing market.... read more »
By: David Andrew • 7/24/14
Auto
100,000+ views
1 min read
In a new study based on data from six large insurers across the country, it was found drivers with poor credit pay... read more »
By: Mike Randall • 7/24/14
Buying a Home
100,000+ views
1 min read
Despite the continued rise in home prices over the past two years, many believe the gains will not last. According... read more »
By: Mike Randall • 7/24/14
Holidays
100,000+ views
1 min read
Retailers just got some good news for the holiday season. Even though Americans are still worried about the... read more »
By: David Andrew • 7/24/14
Taxes
100,000+ views
1 min read
Americans may need to prepare to pay more in taxes in the near future. A new report from the tax publisher Commerce... read more »
By: David Andrew • 7/24/14
Banks
100,000+ views
1 min read
Living in the developed world, we take for granted the availability of credit for business expansion. However, in... read more »
By: Mike Randall • 7/24/14
Health
100,000+ views
1 min read
If you are confused about the possible benefits or drawbacks to the new Affordable Health Care Act that is about to... read more »
By: Mike Randall • 7/24/14
Family
100,000+ views
1 min read
A joint bank account might not seem like the most romantic thing in the world, but it is often the sign of a strong... read more »
By: David Andrew • 7/24/14
Economy
100,000+ views
1 min read
Since the economy has begun to recover from the financial crisis, Americans are starting to apply for credit again.... read more »
By: David Andrew • 7/24/14
International
100,000+ views
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It seems Americans aren’t the only ones with serious credit problems. According to the Australian credit data... read more »
By: Mike Randall • 7/24/14
Accounts
100,000+ views
1 min read
In a recent study, at least one nonprofit public interest group found the majority of complaints made to the... read more »
By: Mike Randall • 9/20/16
Retirement
100,000+ views
1 min read
Have you ever felt life was moving by so slowly that it seems like you will never retire? If so, you are not alone.... read more »
By: Mike Randall • 9/2/14
Debit Cards
100,000+ views
3 min read
Debit card swipe fees amount to only pennies per transaction, but when added together, they account for a sizable... read more »
By: Mike Randall • 7/24/14
Holidays
100,000+ views
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If you are among that group of American consumers who feel the pinch of credit card bills every new year, you are... read more »
By: Mike Randall • 3/8/16
Loans
100,000+ views
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When it comes to paying off debts, Americans do not treat all bills with the same priority. A recent study has... read more »
By: David Andrew • 7/24/14
Banks
100,000+ views
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If you feel like your bank is speaking a different language, you are not alone. According to a recent study... read more »
By: Mike Randall • 7/24/14
Loans
100,000+ views
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While the American housing market is starting to improve, it still has not recovered from the housing bubble. One... read more »
By: David Andrew • 7/24/14
Retirement
100,000+ views
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In a study just released by the National Institute on Retirement Security (NIRS), more than 90 percent of... read more »
By: Mike Randall • 7/24/14
College
100,000+ views
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It looks like college students still need help learning to manage their finances. A new study found many students... read more »
By: David Andrew • 7/24/14
Credit Cards
100,000+ views
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The amount consumers pay per month toward their credit cards gives a pretty good indication of whether or not they... read more »
By: David Andrew • 7/24/14
Economy
100,000+ views
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A report from the U.S. Federal Reserve shows consumer borrowing has hit a record high in the latest reporting... read more »
By: Mike Randall • 7/24/14
Debt
100,000+ views
3 min read
Too much debt is more than just a financial issue. According to a study from the Northeastern University Feinberg... read more »
By: David Andrew • 8/1/14
Loans
100,000+ views
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A poor credit score makes it incredibly challenging to get a personal bank loan. This is especially true these days... read more »
By: David Andrew • 1/11/18
Loans
100,000+ views
1 min read
When it comes to home loans, race unfortunately appears to make a difference. A study out of New York University... read more »
By: David Andrew • 7/25/14
Spending
100,000+ views
1 min read
It’s probably not surprising to learn compulsive buying is a problem in many Western countries. In fact, many of us... read more »
By: Mike Randall • 7/24/14
Student Debt
100,000+ views
1 min read
Student loans have overtaken both credit card and automobile debt as the largest percentage of household debt in... read more »
By: Mike Randall • 3/1/16
Debt
100,000+ views
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It looks like the lessons learned from the financial crisis and ensuing economic downturn may have changed the way... read more »
By: Mike Randall • 7/24/14
Debt
100,000+ views
3 min read
Are you still asking your parents for money? What about your grandparents? They may be more broke than you. A... read more »
By: Laura Slawny • 7/24/14
Mortgages
100,000+ views
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Since the housing bubble burst and home values plummeted, Americans have begun to question whether it still makes... read more »
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Business
100,000+ views
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For small business owners, finding financing is tough. Since the financial crisis, banks have tightened lending... read more »
By: David Andrew • 3/8/16
Debt
100,000+ views
1 min read
When it comes to managing debt, women appear to have the edge over men. In a recent study, the credit reports of... read more »
By: David Andrew • 7/24/14
Spending
100,000+ views
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When it comes to predicting consumer spending behavior, a lot of work goes into taking surveys and observing sales... read more »
By: Mike Randall • 7/24/14
Financial Planning
100,000+ views
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It may not come as much of a surprise to many of us, but it appears women are significantly more likely to act on... read more »
By: Mike Randall • 7/24/14
Health
100,000+ views
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In a somewhat surprising study released by the Journal of Health and Social Behavior, it was revealed people who... read more »
By: Mike Randall • 7/24/14
College
100,000+ views
1 min read
When students build up credit card debt, they aren’t just hurting their finances. They’re also putting their degree... read more »
By: David Andrew • 3/8/16
Mortgages
100,000+ views
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It’s no secret the recent “great recession” was largely caused at the hands of mortgage lenders with... read more »
By: Steven Tumulski • 7/24/14
Credit Card Debt
100,000+ views
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Credit card debt is becoming an increasingly large problem for young Americans. According to a recent study out of... read more »
By: David Andrew • 7/24/14
Credit Checks
100,000+ views
1 min read
We all know employers these days often use credit checks as a way to screen job candidates before making the... read more »
By: Mike Randall • 7/24/14
Minorities
100,000+ views
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A recent $1.3 million dollar study undertaken by Freddie Mac has revealed some surprising differences in credit... read more »
By: Steven Tumulski • 10/18/16
Credit Card Debt
100,000+ views
3 min read
It seems like common knowledge we should avoid debt. Each generation goes through the process of accumulating debt,... read more »
By: Steven Tumulski • 7/24/14
Debt
100,000+ views
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After many years of credit struggles, young Americans may be finally getting a better handle on debt management. A... read more »
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Credit Checks
100,000+ views
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Credit Cards
100,000+ views
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Family
100,000+ views
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Economy
100,000+ views
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When the American housing bubble burst, it led a financial panic and the collapse of the American economy. Wall... read more »
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100,000+ views
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100,000+ views
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Credit Repair
100,000+ views
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Letter of Explanation
100,000+ views
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Credit Scores
100,000+ views
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Work
100,000+ views
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Credit Cards
100,000+ views
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Income
100,000+ views
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Credit Errors
100,000+ views
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In 2004, Congress initiated a 10-year project to study the accuracy of the credit reporting industry. The results... read more »
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Debt
100,000+ views
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Debt
100,000+ views
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Debt
100,000+ views
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According to a new report from the National Center for Policy Analysis, Americans aged 65 and older are carrying... read more »
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Debt
100,000+ views
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Debt
100,000+ views
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The American and Canadian economies have always been pretty closely tied to each other. For this reason, it should... read more »
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Debt
100,000+ views
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Debt
100,000+ views
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It looks like the lessons learned from the financial crisis and ensuing economic downturn may have changed the way... read more »
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Debt
100,000+ views
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Debt
100,000+ views
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Debt
100,000+ views
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Accounts
100,000+ views
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Loans
100,000+ views
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Auto
100,000+ views
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Auto
100,000+ views
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Credit Scores
100,000+ views
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Credit Cards
100,000+ views
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Credit Scores
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Credit Scores
100,000+ views
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Credit Scores
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Credit Cards
100,000+ views
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Credit Scores
100,000+ views
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Credit Scores
100,000+ views
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Economy
23,617 views
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100,000+ views
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100,000+ views
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100,000+ views
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100,000+ views
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Economy
100,000+ views
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Budgeting
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Recent growth in the use of prepaid credit cards may be fueled by consumers looking to change bad spending habits.... read more »
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