<prompt> Human: No really? Why should I care? Cant I just avoid doing business with anyone who cares about my credit score? Im 22 and I dont want to live the rest of my life caring about it. I havent found a compelling reason yet that doesnt also consider that I wont do business with anyone who judges credit score.Assistant: Some employers even look at scores. A bad score can lock you out of entire industries. To your question: if you practice good financial habits, the score ought to take care of itself. Unless youre one of those people who want to run up a credit card, then decide they dont want to play the game and just not pay it back based on a true story!.Human: Ive actually thought a lot about this and wondered what happens. Any detailed stories on how that plays out? be them real life or any good tv shows or movies or books?  <response>: Yeah. Your credit becomes shit and lots of the things others have mentioned in this thread are affected. From personal experience, my brother decided he was going to run up a ton of debt and not pay it back. He now willfully works part time fast food so that he doesnt make enough money that can be garnished. Yes you heard that right. He purposefully makes less money so that people he has somehow reasoned to himself are trying to take money they dont have a right to, cannot legally take the money they are owed. Ive offered to help him navigate the issue. He doesnt want help. Doesnt think he needs help. He is quite content living with our dying father barely making any money. And no he doesnt really have any idea what he is going to do when our dad dies.Long story short. This isnt an issue of playing the game or not. If you are a responsible adult, you wont have to care about it. The first time my credit was ever used was for my first car loan. It was 770. I hadnt cared about my credit to that point either. I had just done the responsible thing up until then by paying student loans and credit cards on time. 