If you just want a little revenge against the tenant who stuck you for the rent, and consider them uncollectable, send the tenant a 1099. You can report the unpaid rent to you as income to the tenant and they will be obligated to pay tax on it. The extra income may also impact their Earned Income Tax Credit and other government benefits. If you have a money judgment on a former tenant you can garnish wages, bank-accounts and more. If you don't want to do it your self, contact a debt collection agency like Debt Hunter.
Credit is now a necessity.
Yet more than half of the people who apply for a credit card are turned down. Many because of poor credit history, many more because of no credit history. The enigma young people face is that they can't get credit anywhere without a credit history, so their first credit purchases invariably become overpriced jewelry or electronics, where the merchant makes a high enough profit on the half of the people who pay, to cover the losses on the half who don't. In many cases, when the young person discovers how badly they have been ripped off, they stop making payments. The merchant then reports their failure to pay against their credit and a nightmare financial cycle has been started in their lives.