At the end of the day, however, the only reason you might need to boost an already-excellent credit score is if you think you might – or know you will – be experiencing an issue that will cause it to drop. But if you’re just doing it for the sake of being better than a handful of other people with excellent scores, maybe spend a little of the credit you have to do something fun – see a movie, go to the theater, or even buy tickets to a baseball game. Any of those are a more enjoyable use of your time.
Adam Levin is chairman and cofounder of Credit.com and Identity Theft 911. His experience as former director of the New Jersey Division of Consumer Affairs gives him unique insight into consumer privacy, legislation and financial advocacy. He is a nationally recognized expert on identity theft and credit.