Is No Credit Better Than Bad Credit?
October 25, 2023
Nikkita Walker
Nikita Walker (she/her) is the content manager for Credit.com and an editor with a passion for financial justice. She's been a professional writer and editor for more than fifteen years, working to make all the content she touches accurate and accessible. She most enjoys creating easy-to-understand financial guides for people just starting their financial journeys and connecting with other experts to expand her own knowledge. When she's not editing, she's reading, checking on her little free diverse library, or working with her local mutual aid organization.
Specializes in
Credit Tools
Credit report card
Free credit score and credit report snapshot
Calculators
Tools to help you take control of your financial goals
Free credit repair assessment
Ensure you have an accurate credit report
Credit 101
Personal Finance
Managing Debt
Credit Score
identity theft
top-five-post
Identity Theft and Scams
social security number
suggested-post
Credit Cards
Credit Card Reviews
Auto Loans
Budgeting
Credit 101
Is No Credit Better Than Bad Credit?
No credit means you lack credit history, whereas bad credit reflects blemishes on your credit report. Neither is good, but bad credit is usually worse.
Personal Finance
8 Ways to Consolidate Credit Card Debt
Credit card consolidation involves combining multiple credit card balances into one monthly payment. Read on to learn how to consolidate your credit card debt.
Personal Finance
What Is the Average Credit Score by 18?
The average credit score by age 18 is 679. Learn the average U.S. credit scores by age group and how you can start building your credit today.
identity theft
What Can Someone Do With Your Social Security Number?
Find out what someone can do with your stolen Social Security number, what you can do if someone steals your identity and what preventive steps you can take.
Personal Finance
Debt Validation Letter: Definition and Sample
A debt validation letter is a letter that debt collectors send stating that you owe a debt, the debt amount, and to whom you owe it. Read on to learn more.
Credit Cards
2023 Review: Capital One Quicksilver Cash Rewards for Good Credit
Should you add the Capital One Quicksilver Cash Rewards card to your wallet? Start your research with our review.
Credit Cards
2023 Review: Capital One Quicksilver Secured Cash Rewards Credit Card
Who is the Capital One Quicksilver Secured Cash Rewards card right for? Get the details in our review so you can make the right decision for your wallet.
Credit Cards
2023 Review: Capital One Savor Cash Rewards for Good Credit
2023 Review: Capital One Savor Cash Rewards for Good Credit
Auto Loans
Average Car Payment in the U.S. [2023]
The average car payment for new cars is $725, which is up 11.5% compared to 2022. Average used car monthly payments are $516. Learn more data points here.
Budgeting
401(k) Calculator: See Your Future Balance
Input your age, salary, contribution, and employer match into our 401(k) calculator to see your estimated balance at retirement. Read on to learn more.
