Strangely now-a-days your credit rating is as important as your grades from school, the reason it is important is because everybody including employees want to refer to it before making a decision. People who have bad ratings can learn that the hard way.
Well, unlike grades which are permanent, a credit rating doesn't have to stick with you forever. One of the ways to change it is by use of credit cards for people with bad credit which will rapidly contribute to your credit rating. the good thing about using this method is that its less risky than loans and easier than waiting to pay off your debt.
