DEFINITION of 'Bad Credit'. A qualification of an individual's credit history that indicates that a borrower carries a higher credit risk. A low credit score indicates bad credit, while a high credit score is an indicator of good credit. Creditors who have lent money to an individual with bad credit face a higher risk of that individual missing payments or defaulting. Next Up.
HOW ABOUT NO. Best Answer. The word pencil comes from the Latin word penicillus, which means little tail - the name of the tiny brush that ancient Romans used as a writing instrument. Best Answer.
Today pencils are numbered and/or lettered to tell us how hard the lead is. The higher the number, the harder the lead, and the lighter the markings. However, it wasn't always this way. The earliest pencils were made simply from filling a wood shaft with raw graphite. The hardness of the graphite would differ depending on the quality of the graphite, thus it was different depending on where the pencil was made. The current style of making pencils was developed in 1794 by Nicolas-Jacques Cont (1755-1805).