BadCredit.org
@BadCreditorg
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is an independent authority on bad credit, created to help Americans find the information needed to make successful credit decisions! 💵
Florida, USA
Joined March 2013
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More than just a cryptocurrency,
@SkycoinProject
is an ecosystem of blockchain-related products and services. By advancing transaction speeds, increasing security, and pursuing other developments, the company seeks to craft a better experience. Read more:
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@changedapps
, an app designed to help borrowers pay debt down with their spare change, is showing people with student debt the light at the end of the tunnel. Read more:
4
6
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@PaycentGlobal
— with its hybrid app, wallet, and crypto fiat cards — is helping consumers across the world gain access to digital assets and fiat currencies in a convenient and interchangeable manner. Read more:
0
6
16
@vergecurrency
is a user-guided crypto presenting an attractive alternative to other offerings on the market. Since no central authority regulates Verge, it's open to everyone, including consumers who can’t obtain traditional financial products. Read more:
1
6
18
Michael Dinich, Founder of
@yourmoneygeek
, believes financial responsibility must be balanced with fun, and his blog showcases both. His approach includes one key piece of advice: start a side hustle around something you feel passionate about. Read more:
0
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A free, P2P communications platform dedicated to protecting user privacy and safety,
@jami_social
uses a decentralized network to transmit information, and data is fully encrypted from transmission to delivery, ensuring end-to-end protection. Read more:
1
5
16
With ETHLend and its crypto-backed loan platform from the people at
@AaveAave
, cryptocurrency investors can now access the value of their investments without having to liquidate them. We spoke with Founder and CEO
@StaniKulechov
about the platform:
0
1
15
Crowdfunding for blockchain-based companies has traditionally been limited to ICOs, which can be tricky to navigate both for entrepreneurs and backers. The mission of
@KICKICOplatform
is to remove the uncertainty and help startups get off the ground:
0
1
14
Data breaches can have massive financial impacts, but data is often stored in central repositories. That’s why
@uport_me
by
@ConsenSys
aims to resolve the problem by leveraging Ethereum blockchain technology to decentralize identity information. Read more:
0
3
14
The decentralized blockchain ecosystem is only a decade old and continues to evolve.
@themetahash
is an innovative blockchain platform that facilitates transactions much faster than most other blockchains. Read more:
1
2
10
The financial literacy problem is very real in the US, and we recently spoke with
@nanjmorrison
, CEO of the Council for Economic Education (
@council4econed
), about the importance of delivering quality financial education to America’s youth. Read more:
0
9
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Under the current model of data collection, information is not always up to date, and users receive no compensation when their data is purchased.
@GeoDataBlock
aims to disrupt that model by collecting anonymous data and compensating users. Read more:
0
5
12
Monero is allaying many of the privacy concerns surrounding Bitcoin. And
@LocalMoneroCo
provides a platform for users to trade local currency for Monero with its P2P network. The platform sidesteps centralized exchanges in favor of human interaction. Read:
0
1
10
Many people who are eligible to vote in the U.S. don’t make it to the polls, in many cases due to strict voter ID laws in certain states.
@SpreadTheVoteUS
focuses on remedying this issue by helping eligible voters obtain the proper ID to vote. Read more:
0
10
9
Human nature has often prevented a true democracy or even a representative democracy from being executed.
@HorizonState
is using blockchain technology to reshape how collective decisions are made. Read more:
@nimo_ni
0
2
9
Founded 23 years ago by genealogist,
@LorineMS
, Olive Tree Genealogy is uniquely resource-rich, with items that include reconstructed passenger lists from ships such as the Mayflower.
0
3
10
The latest suite of office tools for documents, spreadsheets, and presentations can run as much as $400, or $50 a year for a cloud version.
@softmaker_com
's FreeOffice is an alternative to the high-cost office productivity software:
0
0
10
Propel seeks to use technology to deliver valuable products and services to low-income consumers. Its first product,
@FreshEBT
, is an app that improves the cumbersome user experience for food stamp recipients. We spoke with Founder and CEO
@jimmychen
:
0
5
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The
@OLIO_ex
app was designed to solve the issues of food waste and surplus by enabling easy sharing of food and other goods within local communities. We recently spoke with Co-Founder and CEO
@TessaLFClarke
about how it works. Read more:
0
4
8
The customizable digital displays from
@dakboard
empower freelancers and office workers to organize and coordinate through a sleek interface. Integrations include calendars, news feeds, stock quotes, weather, and a range of productivity tools. Read more:
0
1
8
Everex aims to overhaul traditional systems by bringing them on the blockchain.
@everexio
uses stablecoins to facilitate P2P and other payment types with convenience and speed. The company will implement its EVX utility token to power the ecosystem. More:
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The platform
@cushion_ai
leverages AI and machine learning to scan customer finances and determine when and how to negotiate banking and credit card fees on behalf of the customer, putting money back in their pockets. Read more:
0
2
9
Student loan debt is a major problem. But not for
@bereacollege
graduates. The Kentucky working college admits academically promising students who come from low-income families and delivers high-quality, tuition-free education. Read more:
0
3
9
The constant din of life is unavoidable, but it often distracts people at work or school — and even keeps them from sleeping well. Audio like myNoise (
@audiosampling
) soundscapes exists to allow users to filter out everyday noises and maintain focus. Read:
0
1
8
The U.S. government spends $20 billion on animal testing each year despite the practice offering little ROI. That’s why the
@WhiteCoatWaste
Project is on a mission to expose testing programs and end the abuse of both animals and public funds. Read more:
2
7
8
Divorces are difficult, expensive, and often contentious — at least that’s the common perception. But they don’t have to be.
@hellodivorce
is a tech-based platform that helps couples divorce without incurring thousands of dollars of debt. Read more:
0
3
7
Pursuing a career in the tech industry means acquiring the knowledge and experience necessary for success — a tall order for those making a career change. But
@launchcode
is shifting that dynamic with free courses and placement opportunities:
0
2
7
In Tanzania and Uganda, many must rely on cellphones as their primary avenue for managing money.
@NALAmoney
is solving problems with features that allow users to make transactions — even without a data package — and see their history in one place. Read:
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We recently recognized Live Oak, Texas-based
@rbfcu
with our Editor’s Choice™ Award for demonstrating a commitment to fostering financial literacy in the communities they serve! Congrats to the team! Read our story to find out more about their efforts:
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New York City’s
@MoMath1
offers affordable, educational fun for the whole family. The nation’s only math museum features interactive exhibits that bring math to life for visitors, which makes it a must-see in NYC:
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Small business owners often face unique challenges when it comes to securing loans and maintaining cash flow.
@FintruX
Network — and its smart business financing platform, TruX — offers a smart solution. We spoke with
@cryptolin
about how it works:
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Math strikes fear into hearts, but the husband-and-wife team of experts Dan Finkel and Katherine Cook are determined to change this through
@MathforLove
. The company’s goal is to illuminate the fun behind mathematics to make it accessible. Read more:
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3
7
Internet security veteran
@Malwarebytes
offers a new Identity Theft Protection product, which provides identity and credit alerts and reports across multiple devices and environments. Read more:
0
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Tech-oriented bootcamps are reshaping education and training in the US. The courses at
@FlatironSchool
are a prime example, as they provide more fast-paced, targeted study opportunities than four-year degree programs at traditional universities. Read more:
0
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Political decisions can have drastic effects on people's financial situations. For those who want to have their voices heard by elected officials,
@resistbot
simplifies the process of contacting representatives, says Co-Founder Jason
@putorti
. Read more:
0
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Scammers are constantly working to gain access to users’ data. We spoke to Mason Wilder, CFE, from
@TheACFE
, to learn more about this crucial topic that can potentially impact 89% of Americans and he told us about some new trends in fraud. Read more:
0
2
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The
@NCUFoundation
helps credit unions leverage their not-for-profit status to encourage financial well-being and energize communities across the U.S. Its mission aligns with the legislative and advocacy role of
@CUNA
, its partner organization. Read more:
0
1
6
Young people are often faced with making decisions about their finances and future that school didn’t prepare them for. The
@realworld_co
app guides young adults through these challenges and gives them tools and knowledge they need to thrive. Read more:
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Access to books can be a major factor in whether kids learn to enjoy reading early in life, which can lead to a higher degree of academic achievement.
@LtlFreeLibrary
helps inspire a love of reading by promoting neighborhood book exchanges.
0
6
6
@FreedomMortgage
aims to help more borrowers purchase their first homes. And one priority is to educate individuals with poor credit scores about ways to boost their financial standing and find mortgage products for which they qualify. Read More:
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The latest FICO scoring model allows consumers to opt-in their personal data, like bank account info, to help provide a stronger credit profile. But it could be a while before lenders actually use it for lending decisions, as
@johnulzheimer
explains.
0
3
6
The Institute for Economics and Peace (
@GlobPeaceIndex
) aims to change how the world thinks about peace. Its philosophy of economics proposes that peaceful societies are often the most financially sound. Read more about how peace affects individuals:
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When your credit is poor, limited, or non-existent, a no-credit-check loan may be one of your few ways to borrow money. This article reviewed several lender-matching networks that can prequalify your loan request without checking your credit report.
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Access to financial products and services can be limited and costly in emerging markets. That’s why
@_Airfox
is leveraging mobile technology to expand the financial options of those underbanked populations — starting with Brazil. Read more:
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'Tis the season to be savvy — find out how to make your
#smallbusiness
pop during the
#holidays
.
http://t.co/A4wEjNC3hp
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In crypto’s early days, buying, selling, and trading was highly technical. Bitit (
@Bitit_Gift
) launched in 2015 with the mission to make crypto accessible to all. The platform accomplishes this through its clean and easy-to-use interface. Read more:
0
1
5
Dignity and Debt is the collaboration between
@Princeton
,
@ssrc_org
, VizE Lab, etc. The project undertakes research across a dozen countries to empower the connections between lending and human values. Read more from our story featuring
@ProfessorWherry
:
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1
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Securing venture capital typically means surrendering control, and the decision timeline can make it impractical for fast-paced tech startups. That’s why
@getcorl
leverages data analytics to make funding decisions and deliver funds in days. Read more:
0
2
5
A global network that allows users to store, exchange, and transmit funds in the forms of fiat, crypto, and gift cards, P2P conversions through
@theairtm
offer faster speeds and lower fees than transactions conducted through other avenues. Read more:
0
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6
The truth the old-school debt collection industry doesn’t understand is that most people want to pay their debts.
@trueaccord
counters industry stereotypes with a consumer-friendly, solutions-oriented approach that produces better results for all. Read:
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The steps detailed in this article by credit expert
@johnulzheimer
can be helpful if you’re ever contacted about an old debt.
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Industry Experts Volunteer to Lead Credit Abuse Resistance Education (CARE) Programs:
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5
When corporate resolution and customer service channels fail in customer disputes, consumers and businesses often turn to
@fairshake
, a consumer service that automates the formal dispute process for more than 60 organizations. Read more:
0
1
5
Protecting personal data is more critical than ever. That’s why
@OrchidProtocol
built a decentralized VPN platform that allows users to encrypt their sensitive data, disguise their geographic location, and even bypass institutional censorship. Read more:
0
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4
Homelessness impacts more than 500,000 people in America today. And in certain population centers, particularly on the West Coast, homelessness is on the rise. We spoke with Professor
@GaryDeanPainter
, Ph.D., of the
@USCPrice
School, about this issue:
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If you live in one of the 21 states NetCredit doesn’t service, the nationwide lending companies featured here can help you source a similar loan.
0
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India is the second-most populous country in the world, yet only about 3% of residents have access to credit cards.
@LenDenClub
is leveraging recent developments in P2P technology to facilitate new avenues of funding. Read more:
0
2
5
In her latest project, Generation Wealth (
@genwealthmovie
), artist and filmmaker Lauren Greenfield (
@lgreen66
) explores modern culture's often unhealthy obsession with wealth and luxury. Read more in our review:
0
1
5
Through peer-to-peer car-sharing platform,
@Turo
, hosts are earning an average of $625 per month by allowing people in their area to rent their vehicles when they aren’t using them.
0
2
5
The average American household has about $125 in unused gift cards, which amounts to approximately $3 billion in lost value annually.
@Prepaid2Cash
is an app that helps consumers convert unwanted prepaid and gift cards into cash. Read More:
0
4
5
Brad Barrett and Jonathan Mendonsa launched the
@ChooseFi
podcast with the goal of helping others learn how to achieve financial independence. What began as a podcast is now a brand packed with valuable resources, including a blog, videos, and a book:
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Organizations like
@OppFinance
work to close the wealth gap in the U.S. The OFN is a network of CDFIs, including banks, credit unions, loan funds, and venture capital funds, that provide fair and transparent financing to underserved communities. Read more:
0
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5
In the seventh installment of the
@Kabbage
Small Business Recovery Report, SMBs report concerns about inflation in the short term. Kabbage checking, payment, and credit solutions can help businesses respond to inflation by increasing efficiency. Read More:
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Through specialized events, one-on-one counseling, and third-party partnerships, Ohio-based
@wpcu
provides members with the educational resources they need to make better money decisions. We recently recognized WPCU with our Editor's Choice Award:
0
2
5
A fast, easy way for people in Vietnam to invest in Bitcoin and other major cryptocurrencies,
@Bitcoin_Vietnam
is well suited for its market, where the national currency has seen substantial inflation over the past 60 years. Read more:
0
0
5
Canadians who want to reduce the stress of preparing tax returns can turn to
@simpletax
. And the SimpleTax pay what you want pricing model makes the platform accessible to people of all financial situations. Read more:
0
0
5
@ColorOfChange
has been working hard to raise awareness around bail reform and hopes to ultimately see major changes in the bail system. We spoke with Criminal Justice Senior Campaign Director Scott Roberts to learn more about bail reform. Read more:
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5
"As prices continue climbing ever higher, it begs the question: Is the American Dream still attainable? Or have we all been priced out of a high quality of life? As our study found, you can still have it all — at least, you can in these 15 cities..."
0
1
5
We recently recognized Tucson's
@HughesFCU
with our Editor's Choice Award for its commitment to financial literacy and community outreach. Find out more about why it's so deserving of the honor here:
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Regardless of your position with respect to the idea of debt forgiveness, what is clear is many consumers will have to resume making payments on their debts soon. So, the question posed is, how is this going to impact the credit scores of those consumers?
0
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Eating on the cheap is often associated with unhealthy food choices. But through
@Budget_Bytes
, Beth Moncel demonstrates how people can enjoy healthy, home-cooked meals without breaking the bank with more than 1,200 budget-friendly recipes. Read more:
0
1
5
Those who believe in crypto's long-term potential often need access to the purchasing power of their assets.
@inlock_token
provides that with its decentralized P2P marketplace that enables holders to leverage their assets to obtain — or offer — loans:
1
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5
With online subscription services and other automated bills, consumers may lose track of what they're paying for.
@ask_trim
helps solve this problem by identifying recurring monthly payments and canceling them on the customer’s behalf. Read more:
0
3
5
Food insecurity is a problem across the U.S., from urban areas to college campuses.
@SwipeHunger
is a student-based organization that seeks to end hunger on campuses by ensuring students have access to food through pantries and peer-donated meals. Read:
0
1
5
Conveniently delivering foreign currency exchange services to India at the best rates available,
@BookMyForex
facilitates foreign exchange transactions and international money transfers with just a few mouse clicks via its website. Read more:
0
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We evaluate six unique secured cards, each with a different perk for different consumers. Explore credit cards with cash back, no credit checks, and even interest-bearing deposits.
0
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Southern Bancorp fosters economic opportunity and upward mobility in communities in rural Arkansas and Mississippi. Through its initiatives and programs,
@southernbancorp
seeks to empower rural customers and those in underbanked urban areas. Read more:
0
1
4
Congrats
@LogixFCU
! You're one of the 5 best
#creditunions
in
#California
. Keep on doing what you do!
http://t.co/9I3KFf0RcE
0
1
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It isn’t always easy to understand which financial moves to make and which are best to avoid.
@appMoneyCoach
is an app that can remove the uncertainty surrounding financial matters, equipping its users with tools to make informed decisions. Read more:
1
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Since 1857,
@fnbo
has provided impactful services to its members and communities. For its dedication to providing resources that promote prosperity and financial success, FNBO has earned our Editor’s Choice™ Award for Community Commitment. Read more:
1
0
4
Today’s travelers often use frequent flyer miles. Until the
@getmilesapp
arrived, nothing worked in the same way for ground travelers. Miles partners with sought-after brands to automatically reward many popular forms of ground transportation. Read more:
0
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4
Offering free courses to help mothers learn tech skills and keep pace in a digital world, the goal of
@TechmumsHQ
is to close the gender gap in technological comprehension and proficiency, and it starts with educating mothers. Read more about
#techmums
:
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How do you fit repairs into your schedule and budget? That’s the question
@yourmechanic
set out to answer by partnering with certified mechanics who offer mobile service. Read more about some of the savings and convenience possible through the platform:
1
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We spoke with the app's founder to learn how to use Scam Detector to prevent falling for the next financial scam:
0
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360 Degrees of Financial Literacy (
@360finances
) is a program from
@AICPA
that provides education and advice directly from volunteer CPAs. The comprehensive program covers finance basics and common life events to specific questions around money. Read more:
1
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A7 Many think credit scores are tied to demographics like race, income level, gender and age. This is all bogus
#creditchat
1
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Our savings expert
@AndreaWoroch
shares important financial moves every college student should make after graduation.
0
1
4
The company that opened the doors to the temporary automobile insurance coverage industry in the U.K. in 2006,
@tempcover
offers an array of short-term insurance policies for drivers, commercial drivers, motorcycle drivers, expats, and others. Read more:
0
1
4
Current is revolutionizing the way we think about mobile banking. With its standout features and benefits, it’s making a splash in the competitive digital finance arena. It’s perfect for those who are over the traditional brick-and-mortar banking scene.
0
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Gener8 is a browser extension that allows consumers to reclaim control of their online data and earn rewards for viewing ads.
@Gener8Ads
also offers other free web apps, including Tabs and Sentinel, which provide additional benefits. Read more:
0
1
4
Virginia’s robust network of free and charitable clinics extends health care to individuals who would not receive it otherwise. Institutional and financial support from the
@vafreeclinics
helps those organizations deliver on that mission. Read more:
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Dreaming of home ownership, but don't have the best credit? Here are seven ways you can improve your credit score so you can make your dream a reality.
0
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Developing AI solutions that loan servicers use to optimize operations,
@prodigaltech
products listen to and analyze phone calls with clients to automatically create appointments or leverage data points to build relationships with customers. Read more:
0
0
4
We had the pleasure of speaking with
@FoodRecovery
Executive Director Regina Anderson about how the organization's 200 student-led chapters help fight food waste and alleviate hunger in communities around the country. Read More:
0
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With 236 credit unions,
@ILCULeague
is one of the largest associations of its kind. ICUL serves as an advocate for credit unions at the state level, and it also helps to provide important compliance guidance and financial literacy resources. Read more:
0
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Chicagoans support the fabric of their city by starting businesses that spur growth and provide meaningful employment. One initiative leading the way is
@BenefitChicago
, a collaboration innovating the way impact investments support social enterprises.
0
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The struggle for economic justice is an ongoing challenge, and it’s one of many causes taken up by
@afsc_org
. We spoke with Rick Wilson, who is the Director of the organization’s West Virginia Economic Justice Project to find out more about the work:
0
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The low-code app development platform,
@Mendix
, helps financial institutions keep pace with an advancing market and customer demand for convenience by using an approach that emphasizes simplicity.
0
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Many investors find cryptocurrency intriguing but are still unsure of how to get started. That’s why the
@ndaxio
platform enables retail investors and businesses in Canada to access and trade crypto to complement their current portfolio assets. Read more:
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As the cost of higher education continues to rise, financial aid may burden students with debt for years.
@stjohnscollege
bucked that tradition by lowering tuition by 30% and making its curriculum accessible through generous need-based aid. Read More:
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