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Make sure you are valid to buy things
If you or an individual want to buy something lets say a house, a car, or an apartment you have to have a steady job. That means you have to have a weekly income because the lenders can't trust you if you don't have money to pay them back.
If you have good credit lenders will have trust in you and lend you money.
Good credit & Bad Credit
GOOD: credit score above 800
BAD: Under 600
How can I improve my credit score
Keep your debit-to-credit ratio 30 percent or lower. And also to make your score better pay down your balances, and keep those balances low. A good way to keep your credit good is to eliminate nuisance balances.