No. Really no. Some employers do credit checks. It can also impact your ability to just rent an apartment. Way back in the early 2000s I had a poor credit score

No. Really no. Some employers do credit checks. It can also impact your ability to just rent an apartment. Way back in the early 2000s I had a poor credit score and it meant 1) having to put down onerous deposits for services* and 2) being declined a few times when I tried to rent an apartment. I was able to rent an apartment, but it cost me a few non-refundable application fees first and had to take a less-desirable apartment. A poor credit score will also cost you when it's time to buy a car. You need to buy a new car? Unless you can pay cash, borrowing money is going to cost you more because you have a bad credit score. * One of the many ways that being broke is a self-perpetuating cycle. You have little money, so you have to cough up deposits and tie up what little money you do have trying to secure services and a place to live. Some of that money you will get back - eventually - some of it (rental deposits) there's a good chance you'll never see again or only see some of. (Obligatory mention of Vimes' Boots theory...)