I think having no credit is just about as bad as having bad credit. I'm have bad credit & am trying to improve my score (got my score for free at creditkarma.com (transunion) and quizzle.com (equifax or experian - can't remember which) I found out there is a girl that lives 30 miles from me with the same nam (I have an unusual French last name) and her stuff was on my credit report. There were numerous books at the local library about how to improve my credit report, dispute errors, raise my score etc. Those combined with the websites I mentioned are pretty helpful. Good luck!