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.
Pencils create marks by physical abrasion, leaving behind a trail of solid core material that adheres to a sheet of paper or other surface. They are distinct from pens, which instead disperse a trail of liquid or gel ink that stains the light colour of the paper. Most pencil cores are made of graphite mixed with a clay binder which leaves grey or black marks that can be easily erased.