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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®, CFT™

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.

Best States to Save for a Home Down Payment in 2026

Best States to Save for a Home Down Payment in 2026

By: Lynn Cadet 6/29/26

Saving for a down payment on a home has become one of the biggest financial hurdles... read more »

1 in 3 Americans Would Have a Baby for $1,000 — Even Though It Costs $300K to Raise One

1 in 3 Americans Would Have a Baby for $1,000 — Even Though It Costs $300K to Raise One

By: Lynn Cadet 6/11/26

Despite a $1,000 government incentive, most Americans remain hesitant to have more... read more »

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 »

Industry News

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

Scam Losses May Be 4X Higher Than Federal Data Show

Scam Losses May Be 4X Higher Than Federal Data Show

By: Andrew Allen

Americans may be losing far more money to scammers than federal data capture. Many victims report scams to their banks but do not report them to federal authorities. New research from Gallup estimates that 6% of Americans say they were... Read More »

More Than 1 in 10 Federal Student Borrowers Owe $100K

Can You Trust AI to Find a Credit Card for Bad Credit?

For industry news, discussions, and more...

Walmart-Backed OnePay Launches Loans Up to $50K

Walmart-backed OnePay is moving deeper into consumer lending with personal loans of up to $50,000 available entirely through its app. Customers can apply, review and accept an... Read More »

Underwater Auto Trade-Ins Can Add $6,500 in Interest

Trading in an underwater car and rolling the remaining debt into a new loan can cost borrowers nearly $6,500 in additional interest. Buyers who roll negative equity into a... Read More »

New BNPL Checks Could Shut Out 3 Million Shoppers

As many as 3 million UK shoppers could now find themselves locked out of a popular payment option — including many who have never missed a payment. New regulations on Buy Now,... 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.