The 7 Financial Choices You’ll Regret 5 Years From Now
June 30, 2025
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
Budgeting & Saving
Credit Building
Credit Repair
Credit Cards
Managing Debt
Credit 101
Insurance
Taxes
Credit Score
What Does Your Credit Score Start at?
When using credit, you begin to establish a credit score but you may wonder—what does your credit score start at? Hint: It isn't zero. Read on to find out.
Credit Repair
How to Fix Your Credit in 5 Steps
Is your credit score less than stellar? Here's 5 tips for how you can fix and repair your credit.
Loans
How to Apply for a Loan in 7 Steps
Learn how to apply for a loan. Discover tips on checking your credit, gathering necessary documents and finding the right loan option for your needs.
Credit 101
5 Steps to Fight a Credit Card Lawsuit
Discover strategies to dismiss a credit card lawsuit: respond on time, challenge proof, use statute of limitations, or negotiate settlements effectively.
Managing Debt
The Pros and Cons of Voluntary Repossession
Discover the pros and cons of voluntary repossession and its effects on credit, plus explore alternatives to make informed financial decisions today.
Managing Debt
How to Negotiate with Creditors to Reduce Your Debt: A Step-by-Step Guide
Struggling with debt? Discover effective strategies on how to negotiate with creditors, how to protect your rights, and reduce your overall debt burden.
Credit Reports
What Does THD/CBNA on My Credit Report Mean?
THD/CBNA appears on your credit report if you recently applied for a credit card through The Home Depot or were added to an account as an authorized user.
Personal Finance
120+ Things to Do For Free to Save Money
Looking to save money? Check out these 120+ things to do for free by yourself, with friends, as a couple, or with your kids. Read on to learn more.
Loans
How to Get a Personal Loan: 7 Steps to Better Approval Odds
Need a little extra money? Personal loans can help. Learn how to get a personal loan that helps you cover your expenses without breaking the bank.
