With all the credit card companies aggressively marketing to a younger and younger market, it is no wonder that more and more students have bad credit. The government should consider instituting a nationwide directive where high school students are required to take a mandatory course in personal finance and credit. Ignorance is the biggest problem, and by ignorance I mean people just do not know how these things work. A lot of the bad credit out there would never have been created if people knew what the true ramifications of having bad credit and we are. Since bad credit untouched to last for several years it is important to learn the easy way and not through experiencing bad credit firsthand.
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