What determines if I have good credit or not? Is it bad to have little credit?

chad M asked:


Just curious what my credit might be like. I have lived in a apt for the past 5 years, never been late. I have 1 credit card I use off and on. I have always made payments on time, but have never put a large amount on it. I know I have good credit, I guess I’m just asking does this mean I have no credit, and is this just like having bad credit?

http://1mortgagecalculator.info