Once you have some poor credit, it is hard to turn your life back around because of the lack of the ability to easily purchase a place to live, a car to drive, or even a job to get some income. Indeed, some jobs now do credit history checks on possible employees to see if they can be counted on to show up on time and be a responsible worker. You will not need to worry about this if you already have a fine job, but if you are unemployed and looking to improve your credit score, you are really left down the river without a paddle.