Everyone knows that having good credit is a wonderful thing to have, especially in this day and time, and everyone also knows that having the black marks of bad credit against you will give you a lot of needless headaches and worry. So why is it such a bad thing when an individual does not have any credit at all? It seems like having no credit would be a good thing, especially since it isn’t like you have any bad credit on your credit report…right? … Wrong!