<prompt> Human: I am 28 and after years of bad financial habits and practices Ive come to realize I need to change. I will be graduating after this fall semester and moving to another state. I have heard that employers will sometimes check credit scores during application process and also that applying for apartments, a bad credit score can keep you from getting a decent place or job! How do I get my credit looking good fast or fastish... Thanks!  <response>: Credit is very rarely checked by employers in most markets. Unless you plan to buy a house, your credit score is not crucial to a happy life. 