Credit is something you cannot touch, hear, or smell. It is something worth plenty, but still fragile and vulnerable. What makes credit unique is that it is based on trust, and on trust only. Credit is the trust somebody puts in you when you say, "I am going to pay you back". However, it is also the disbelief when somebody tells you, "You cannot borrow money from me, I do not believe that you pay me back." It is pretty simple actually. Credit is the bridge between you and what you want and need. Good credit will make things happen, bad credit will not.