I have to laugh, because I don't give a flying leap about my credit report.
What are you, a teenager? You need good credit to buy a house, a car, to apply for a job, to get loans for higher education, and even for security clearances.
Not all of us are that stupid to get ourselves buried in debt, and those that did have no one to blame but themselves... certainly not the "gummint."
Who convinced you that you weren't part of the government?