If you are going to graduate from college soon or have recently graduated, chances are high that a ton of student loans that will need to be paid back. It's pretty nice when in school, since most of those programs don't require that you start making payments on the
Hopefully while you were in college, you also had a credit card in your name and made regular payments so at least you've got a good start on having a decent credit score. This is important because as you start to enter the very competitive job market, more and more employers are starting to look at a job candidate's credit score as one of the factors to determine if the job should be offered, and if so, at what salary.