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
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Building Credit
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Auto Loans
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How much will a car repossession hurt my credit score? It’s a common question, but the answer depends on your situation. Learn how a repo impacts your credit.
Loans
Ways a Car Loan Can Increase Your Credit Score
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student loans
What Happens If You Ignore Your Student Loans?
Are you struggling to repay your student loans? Find out what to do if you can’t pay your student loans and the dangers of ignoring this problem.
top-five-post
What Credit Score Do You Need to Buy a Car?
Find out what credit score is needed to buy a car. Learn more about auto loan alternatives and how you can improve your credit.
Credit 101
What Is a Prime Credit Score? A Guide for Consumers
A prime credit score typically refers to a high credit score, usually above 720. Wondering how to get your credit to prime?
Credit Cards
What If I Don't Pay My Credit Card Bill?
Have you ever wondered what would happen if you didn't pay your credit card bill? Unfortunately, there are consequences, and they only get worse over time.
Personal Finance
37 Easy Ways to Start Making Money at Home
We walk you through how to make money online including selling used items, finding freelance work, taking online surveys, and more.
Loans
Business microloans: what entrepreneurs need to know
Business microloans are funded by the U.S. Small Business Administration (SBA) for amounts up to $50,000. Read on to learn about requirements, benefits, and more.
