I already do this, and credit scores have been an issue for me several times already. For example, when renting an apartment, lots of landowners want to see your credit score. It also doesn't take very much effort to use it well, it's mostly a matter of knowing what to do. And in absolute terms it still makes a large difference, even if it is only a second-order term.
Previous Open Thread: http://lesswrong.com/r/discussion/lw/k94/open_thread_may_19_25_2014/
You know the drill - If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
Notes for future OT posters:
1. Please add the 'open_thread' tag.
2. Check if there is an active Open Thread before posting a new one.
3. Open Threads should start on Monday, and end on Sunday.
4. Open Threads should be posted in Discussion, and not Main.