You may be surprised to hear me say this, but LUCK is all you need this St. Patrick's Day to keep your credit healthy. L.U.C.K. as I define it. As you know, maintaining healthy credit is not an accident, it's intentional and it takes work.
Keep the real reason in mind. What's the real reason you want to work on your credit? No, it's not so you can get a good credit score. That's a good reason and an important one but it's not the REAL reason.
When your doorbell rings, you might pretend to be scared by a group of kids wearing ghost costumes. And you'll hand out candy and have a lot of fun. But the ghosts you should really be scared of are the ones who never ring your doorbell... the credit ghosts!