Sorry it wasn't clear... Because in some countries your "credit" is only the bad things (unpaid debt) whereas in America (and other places) your "credit" inclu

Sorry it wasn't clear... Because in some countries your "credit" is only the bad things (unpaid debt) whereas in America (and other places) your "credit" includes both the bad things and the good things too. So its in your best interest to add good things. In other words, you're able to prove you're conscientious to entities who will give you some benefit for being conscientious.