Am a credit coach and I try to teach people to avoid or get out of bad credit I’ve seen so many people affected by bad credit and yet the education system still refuses to incorporate credit awareness as part of life skills education. Most young people make mistakes with credit cards which give them bad credit and this takes years to clear off, in the worst cases it gets as bad as bankruptcy or to a point where they can only get bad credit bank accounts and pay for normal banking. You might say they can opt out but bank accounts are essential now days.