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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

Meet CreditSentry™ Your AI Credit Advisor

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.

No Down Payment, 660 Score: New Mortgage Expands Access

No Down Payment, 660 Score: New Mortgage Expands Access

By: Lucy Lazarony

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 requirements and low credit score requirements. And they knock out two barriers to home buying for... Read More »

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

Trump's May 19 Order Pulls Immigration Into Credit Underwriting

For industry news, discussions, and 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 »

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 applicant’s rent and utility... 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.