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.
Answer: Simply, the H means hard and B means black. H pencils, because they are hard, leave less graphite on the paper, so are lighter. B pencils are softer, so leave more graphite on the paper, and so are darker. F means Fine Point, and it is quite a hard pencil-easy to keep sharp, but generally a bit too hard for general drawing.