Nikkita Walker

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 Cards Loans Auto Loans Credit Score

Credit Tools

All of Nikkita Walker's posts

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Credit Cards

What Is a Good APR for a Credit Card?

A good APR sits at or below the national average and depends on an indi...

Nikkita Walker

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Loans

Paying Off a Car Loan Early: Does It Affect Your Credit Score?

Paying off your car loan early may hurt your credit score, but only in ...

Nikkita Walker

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Credit Score

Does Paying Off Collections Improve Your Credit Score?

Paying off collections likely won't improve your credit score unless yo...

Nikkita Walker

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Credit Repair

How Long Do Financial Records Remain on Your Credit Report?

Wondering how long financial records remain on your credit report? Lear...

Nikkita Walker

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credit card

Can a Debit Card Be Used as a Credit Card? 

Learn when and how to use your debit card like a credit card, plus best...

Nikkita Walker

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Managing Debt

How Does Debt Consolidation Work?

Find out everything you need to know to forge a path to financial freed...

Nikkita Walker

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Credit Cards

Should I Pay Off My Credit Card in Full or Leave a Small Balance?

Paying off your credit card can boost your credit score and save you mo...

Nikkita Walker

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Budgeting

An Inside Look at Americans' Average Savings by Age

Do you have enough savings? Explore average savings by age and discover...

Nikkita Walker

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Managing Debt

How to Write a Hardship Letter: Free Template + 8 Tips

Learn how to write a hardship letter with expert tips, a sample, and a ...

Nikkita Walker

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Credit Score

What Is the Lowest Credit Score and 5 Steps to Work to Improve It

300 is the lowest credit score anyone can have—and that number can dras...

Nikkita Walker

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