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Bad Credit Resource

At BadCredit.org, the web’s top finance experts come together to help inform and educate over 27 million users, enabling better credit decisions and a brighter financial future.

John Ulzheimer
John Ulzheimer

Credit Expert

Erica Sandberg
Erica Sandberg

Finance Expert

Bobbi Rebell
Bobbi Rebell

CFP®

Expert Guides

Need a better understanding of bad credit and how to fix it? Our finance experts have put together a series of step-by-step guides on a variety of bad credit related subjects.

Personal Credit Assistant

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Instant, personalized credit advice powered by AI and trained on thousands of expert-written articles.

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Studies & Research

Explore our latest research and studies on the personal finance industry, as our experts cover topics such as debt, credit scores, banking, insurance, lending, and other key resources for American consumers.

States with the Most Intense Sports Betting Activity

States with the Most Intense Sports Betting Activity

By: Lynn Cadet 5/27/26

America is currently experiencing a sports betting boom. From 2020 to 2025, the money... read more »

3 in 4 Say You Should Have Money Set Aside to Leave a Relationship

3 in 4 Say You Should Have Money Set Aside to Leave a Relationship

By: Lynn Cadet 5/11/26

Most people don’t walk into a relationship thinking it will end. Yet protective... read more »

74% of Expectant Parents Say They Can't Buy or Lease a New Car

74% of Expectant Parents Say They Can't Buy or Lease a New Car

By: Lynn Cadet 4/23/26

While bad credit has long been a deterrent to long-term financial goals such as home... read more »

Eye-Opening Global Poverty Statistics

Eye-Opening Global Poverty Statistics

By: Zina Kumok 3/31/26

If you’re living in the U.S., you may be aware of rising poverty levels. However, you... read more »

Industry News

Authoritative daily news and insights on the subprime industry by our team of dedicated experts and reporters.

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

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

By: Lucy Lazarony

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 investment account for American citizens under the age of 18. The account is in the child’s name and a... Read More »

No Down Payment, 660 Score: New Mortgage Expands Access

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

For industry news, discussions, and more...

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 the risk of deportation — in... Read More »

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 store cards, according to a... Read More »

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 lending decisions.  The American... Read More »

Charities We Support

BadCredit.org supports charities who promote and foster financial literacy.

In our efforts to realize our site's mission, we support many financial literacy foundations by making financial contributions to the following non-profit organizations. Learn about each charity and why we support them.

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Press Center

Press Center

BadCredit.org is regularly relied upon by leading national news outlets to provide expert commentary on various financial topics. Browse our latest media appearances and citations below.