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Fed data says 37% of consumers couldn’t cover a $400 emergency expense in cash. One surprise bill could be enough to tip millions over the edge. The latest from @christaylornyc.bsky.social 👇https://www.badcredit.org/news/opinion-one-surprise-bill-could-tip-millions-over-the-edge/?utm_source=Bluesky

A credit card battle is brewing, and it could decide who gets approved and who doesn’t. Millions may be affected 👀 www.badcredit.org/news/the-cre...

Americans are tapping home equity to escape high-rate credit cards. Some win big. Others end up worse off. The difference comes down to one thing, says Nick Alphs from Academy Bank 👇 www.badcredit.org/news/1-28t-c...

More Americans doubt they’ll ever retire comfortably. What's behind this? 👇 www.badcredit.org/news/why-mor...

People are literally bleeding to pay their bills. That’s what reduced access to credit can look like, according to Kelvin Chen from Consumer Bankers Association. This fight over credit cards could decide who gets shut out 👇 www.badcredit.org/news/the-cre...

Prices jumped fast, and they never really came down. Now lower-income borrowers are being forced into impossible tradeoffs. @otheradamwest.bsky.social spoke with Charlie Wise from TransUnion about what it means for America’s growing credit divide 👇 www.badcredit.org/news/america...

Most car buyers think they’re prepared, but this study says otherwise. One mistake keeps showing up 👇 www.badcredit.org/studies/car-...

Just a 1% APR bump changed spending almost overnight 👇 www.badcredit.org/news/study-m...

Think auto loan fraud is rare? It just hit record levels, and AI tools are helping scammers fake income, identity, and credit. What you should know 👇 www.badcredit.org/news/auto-lo...

More subprime borrowers are missing payments, and economists say the pattern looks familiar for all the wrong reasons. Here’s what it may mean next: www.badcredit.org/news/subprim...

Gen Z is using more financial apps than ever and still struggling to stay afloat. New data from @snapfinance.bsky.social reveals why instability is hitting every age group. We spoke with Rob Brown from Snap Finance to learn more 👇 www.badcredit.org/news/survey-...

Even a modest credit card rate hike can change behavior almost overnight. New findings show spending fell 8.7% overall, and about 15% for cardholders carrying balances. What you should know: www.badcredit.org/news/study-m...

A $700 loan with a shocking 580% APR is now at the center of a lawsuit, raising major questions about predatory lending and usury laws. Catch up here 👇 www.badcredit.org/news/580-apr...

Bankruptcies just surged 11%, and younger Americans are getting hit hardest. What’s driving it? www.badcredit.org/news/bankrup...

Lawmakers are cracking down on credit repair scams. A new bill would ban upfront fees and target companies making false promises to struggling consumers. Here’s what could change 👇https://www.badcredit.org/news/bill-targets-credit-repair-upfront-fees-false-promises/

A new Fannie Mae-backed program lets buyers use Bitcoin or stablecoins to help secure a mortgage without selling their holdings. Here’s how it works 👇 www.badcredit.org/news/fannie-...

Small businesses are getting trapped in a dangerous funding cycle. High-cost MCA financing can drain cash flow fast, pushing many toward defaults and even bankruptcy. Here’s how it happens 👇 www.badcredit.org/news/high-co...

More than half of U.S. credit card users now carry balances every month, and many are slipping into riskier financial territory. Here’s what it means 👇 www.badcredit.org/news/risks-r...

“90% of Gen Z borrowers increased deposits after microloans.” — James Chemplavil, Founder of Salus This isn’t short-term lending. It’s long-term growth for credit unions. Read the full story: www.badcredit.org/news/credit-...

A quiet shift in private credit could have consequences for subprime borrowers. As investors pull back, funding is tightening and access to credit may shrink. Catch up here: www.badcredit.org/news/private...

After Tricolor’s collapse, investors are going after the banks that packaged its loans, turning subprime auto ABS into a courtroom battle over who knew what, and when. Catch up here: www.badcredit.org/news/tricolo...

Credit unions are going after Gen Z with small-dollar loans, positioning themselves as a smarter alternative to fintech alternatives. It’s a strategy that could turn short-term borrowing into long-term relationships. Full story: www.badcredit.org/news/credit-...

Mortgage credit score prices drop to a dollar or less as bureaus challenge FICO. Catch up on what you missed: www.badcredit.org/news/credit-...

Could a new mortgage fix repeat 2008’s mistakes? @christaylornyc.bsky.social weighs in with a new column: www.badcredit.org/news/opinion...

"It's easier to keep that relationship than to try to compete for it 5 to 10 years from now when they're already banking somewhere else." — James Chemplavil from Salus on FIs opportunity to serve Gen Z. Read the story: www.badcredit.org/news/credit-...

Financial hardship is driving a record 6% of workers to tap their 401(k)s early, sacrificing retirement security for immediate cash needs in a troubling sign for lenders: www.badcredit.org/news/record-...

New stablecoin infrastructure could fundamentally change how high-risk lending operates. What you need to know: www.badcredit.org/news/fed-stu...

TransUnion's acquisition of Buró de Crédito signals major consolidation in regional credit reporting markets. The expansion has direct implications for cross-border lending operations and data accessibility for FIs operating in LATAM markets: www.badcredit.org/news/transun...