So if you are foolish and you have a low score it might mean you can not get a car loan, or you might not qualify for a home loan. Have you had a teacher or parent teach you how to use money? Has anyone taught you how important a credit score is? If "TransUnion" "Equifax" or "Experian" are unfamiliar terms then it might be time for you to get your credit report.
Once you know your score you can start to improve it. Make time to learn and know your score, it is time we all become financially responsible.