One thing I noticed here in the US is that when someone having certain problem like credits and stuff, they can simply asks help from credit collection services. This group of professional services will help handle your situation. Most people here in the US have credits and they have to have one in order to build credit history. The credit score will matter when you buy a house, car or anything that requires paper work. However, there are some people who just over used their credits without thinking of the consequences. They take credit that is beyond their limit or not even thinking if they can still afford to pay for it. So, they opted to get more loans and credits one after another. I easily get stressed when it comes to credits. Glad it’s my husband who handles all our financial and he is good at it though.