"Many people assume that “no credit” and “bad credit” are the same thing, but that is not the case. This is not like taking a test in school, where 0 and 50 both lead to an “F”. Having no credit at all does not send the same messages as having bad credit, but it could put you in a similar situation. In either case, you should strive to build up a good credit score." - Bill Hardekopf

"Many people assume that “no credit” and “bad credit” are the same thing, but that is not the case. This is not like taking a test in school, where 0 and 50 both lead to an “F”. Having no credit at all does not send the same messages as having bad credit, but it could put you in a similar situation. In either case, you should strive to build up a good credit score." - Bill Hardekopf

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