Why is your credit so important?
Simply put... because it affects every decision in your life directly or indirectly. It's all we have right now. The reported data on your file is then scored by two algorithms known as FICOs and VantageScore. Neither of them has the ability to fully communicate clearly across multiple platforms such as Experian, TransUnion, and Equifax. Hence different credit scores.
If you plan on having a car, a kid, or know you can't plan for everything in life, then good credit is necessary from this day forward.