An individual with poor credit is someone who has a history of not paying their bills on time or defaulting on loans, which results in a low credit score. This can be due to various reasons such as job loss, medical expenses, overspending, or personal financial mismanagement. As a result, they may have difficulty obtaining new lines of credit, renting an apartment, or even getting hired for certain jobs because their poor credit history indicates that they are financially irresponsible and likely to default on future payments as well.