Nikkita Walker

Nikkita Walker

Nikkita Walker is a contributing writer for Credit.com, specializing in topics on budgeting and managing credit. Nikkita has been a professional writer for over seven years, and has worked in the finance industry since 2019. Nikkita graduated from Brigham Young University with a BA in English and a minor in Sociocultural Anthropology. When she isn’t researching recent developments in the financial world, you can find Nikkita reading a Terry Pratchett. (Making Money of course.)

Credit Tools

Credit report card

Free credit score and credit report snapshot

Get your free score

Calculators

Tools to help you take control of your financial goals

Calculate your savings

Free credit repair assessment

Ensure you have an accurate credit report

Learn more
All of Nikkita's posts
How to Apply for a Loan in 7 Steps
loans

How to Apply for a Loan in 7 Steps

Learn how to apply for a loan. Discover tips on checking your credit, gathering necessary documents and finding the right loan option for your needs.

Nikkita Walker

5 Steps to Fight a Credit Card Lawsuit
Credit 101

5 Steps to Fight a Credit Card Lawsuit

Discover strategies to dismiss a credit card lawsuit: respond on time, challenge proof, use statute of limitations, or negotiate settlements effectively.

Nikkita Walker

The Pros and Cons of Voluntary Repossession
Managing Debt

The Pros and Cons of Voluntary Repossession

Discover the pros and cons of voluntary repossession and its effects on credit, plus explore alternatives to make informed financial decisions today.

Nikkita Walker

How to Negotiate with Creditors to Reduce Your Debt: A Step-by-Step Guide
Managing Debt

How to Negotiate with Creditors to Reduce Your Debt: A Step-by-Step Guide

Struggling with debt? Discover effective strategies on how to negotiate with creditors, how to protect your rights, and reduce your overall debt burden.

Nikkita Walker

How Does Being a Cosigner Affect Your Credit? 
Managing Debt

How Does Being a Cosigner Affect Your Credit? 

Understand the risks and benefits of cosigning a loan or credit card. Learn how being a cosigner can affect your credit score and long-term financial future.

Nikkita Walker

How to Negotiate Debt Settlement
Managing Debt

How to Negotiate Debt Settlement

Learn how to effectively negotiate debt settlements with our step-by-step guide. Achieve financial freedom and safeguard your credit with informed strategies.

Nikkita Walker

What Does THD/CBNA on My Credit Report Mean?
credit reports

What Does THD/CBNA on My Credit Report Mean?

THD/CBNA appears on your credit report if you recently applied for a credit card through The Home Depot or were added to an account as an authorized user.

Nikkita Walker

How to Get a Personal Loan: 7 Steps to Better Approval Odds
loans

How to Get a Personal Loan: 7 Steps to Better Approval Odds

Need a little extra money? Personal loans can help. Learn how to get a personal loan that helps you cover your expenses without breaking the bank.

Nikkita Walker

Does Debt Consolidation Hurt Your Credit?
Managing Debt

Does Debt Consolidation Hurt Your Credit?

Learn whether debt consolidation can hurt your credit. Explore methods, impacts, and strategies to minimize the risks of debt consolidation.

Nikkita Walker

How to Get a Repo Off Your Credit: 7 Effective Removal Tips
credit repair

How to Get a Repo Off Your Credit: 7 Effective Removal Tips

Dispute errors or negotiate with the lender to remove or update a repossession on your credit report.

Nikkita Walker