Incandescent bulbs put more energy into generating heat than light, so replace high-use bulbs with compact fluorescent lightbulbs (CFLs). They burn cool & bright with only a third of the power required by incandescents. But be aware!! CFLs contain mercury - handle with extreme care, dispose of carefully at tech disposal sites, & do not break!
One way to improve your credit score and your credit report is to maintain a low credit utilization ratio. Experts recommend consumers keep their account balances at less than 25% of their available credit. On the blog: How to Cut Down Your Credit Card Balances.