<prompt> Human: Hello everyone,Im a lurker from germany on this side reading lots of posts that say something like for early building my credit store. So after searching a little what this is im still baffled why this is such a big deal.Especially for first time credit takers i dont know of any bad things from not having a SCHUFA entry here in germany. Is this so much different in ths USA?In Germany we have the SCHUFA, which is kind of like the credit score i think. Its a firm which holds information about your credits and your payment moral. But i have never heard something like go out and get a good SCHUFA rating here in germany.EDIT:Thanks for all the answers. I didnt know that there were this much ways your credit score could influence your live.So my first thoughts is that either the credit system is somehow more different than i know between USA and Germany or we are lacking something to give us better ratings here in germany.Thanks for answers.Assistant: Because, for better or for worse, credit scores are a major factor in whether or not you get a loan at an affordable rate or are allowed to rent an apartment or get a job in some cases.Human: Bas credit score leads to not getting a job? Freakiest thing i heard...  <response>: Its mostly for white collar jobs. Companies look at the risk factor of putting financial decisions in the hands of a person that cannot properly maintain their own financial health. yes, that means they do a credit check as part of hiring process. 