A lesson too late

Bad Credit...it's something they don't teach very well in school, but it's something that many of us will unfortunately encounter. The rules are simple, it's the penalties that are the real complication. Through use of credit, you buy now and pay later. It sounds fantastic, even to little Stephanie Tanner on Full House.
But no one ever went into depth the importance of keeping a good credit score, or even what a credit score was. Had someone in high school told me, aside from college and career, keep your credit rating high, strive for that 720, I would have protected myself much better. I wish more adults had warned me back in the day instead of ignoring the obvious elephant in everyone's living room.
Keep a good credit rating, and you can accomplish that dream of owning a house, or a car, or getting affordable insurance and most of all, never have to hear from a debt collector from NCO or any other cannibalistic debt collector.
And now, jobs and companies, when hiring, are running credit checks. Which, I guess on their side, is somewhat understandable. But to me, here is what I don't quite get.
It's easy to run into bad credit. Take out a Sallie Mae student loan and find out just how easy it is to get into bad credit. But not all people who have bad credit are slackers. They're not all deadbeats, skipping the bills left and right. Many are good honest people who just made bad decisions in life. Now, with companies doing credit checks, the hopes of many who want to slowly crawl out of the pit of bad debt, are being buried under more dirt.
How wrong is that? People want to work off their debt anyway they can, and now, are being denied the one possible job that could get them there.
Or are the companies allied with whoever runs this bad credit scam, keeping millions in debt and jacking up the penalty fees? Seriously, does bad credit help this economy? Or are Sallie Mae, NCO and Visa going to tap dance their fat asses about as the United States of America becomes another Argentina?

To be clear, I'm not saying don't take a loan from Sallie Mae...

I'm just saying...THINK TWICE before you do. Your credit rating is your life line. Don't gamble with it. As soon as you enter the real world, your credit is going to be in the best shape it can be. Why? Because it's prime to be built!
So take careful time in building it into a desired 680-700. Believe me. If you want that new house one day or that hot car or to rent that sweet condo by the waterfront, don't gamble with your credit.
Aside from Sallie Mae, just remember to be careful, keep on an eye on what you spend and pay, pay your bills on time and especially your rent. Take control of your own life, your destiny, your future...because believe me...You don't want other debt collection agencies such as NCO hounding you (they are just as bad as Sallie Mae's collections), you don't want a landlord beating down on your door, you don't want the bank to take away your home, you don't want those guys from Repossessed coming for your ride, and you do not want Sallie Mae tearing away at you...TAKE CONTROL OF YOUR LIFE ASAP!

Remember...Sallie Mae is just like any other creditor...they want you IN DEBT!