Any negative report is bad for your credit score, but it's hard to rate any one factor as more important than others. The Fair Isaac Corporation, which compiles the FICO rating used by all three credit bureaus and most lenders, says the importance of any one factor depends on the overall information in your report.
Virtually all biotechnology products are the result of organic chemistry. Biotechnology is used in in health care, crop production and agriculture, nonfood uses of crops and other products (e.g., biodegradable plastics, vegetable oil, biofuels), and environmental applications.
Consider how the work of a chemical engineer affects your life from the moment you wake up in the morning. Your toothpaste, your makeup, the soles of your shoes, the breakfast cereal you eat, the fuel used to drive to work or school--each of these involves the work of a chemical engineer.