Debt: a promise to repay money, in other words, a loan

Borrowed from a lender to buy good

Credit: reputation for paying off debts from a financial aspect

Makes you either more or less reliable to other potential lenders

Have you paid your debts in the past?

Reflected in credit scores

Some people choose never to take loans, therefore, no credit score

Can be stable, but can cause problems in future if you do want to borrow money 

No financial reputation 

No credit can mean no loan

Make small purchases on credit, pay back debts on time, maintain long credit history, and limit credit applications