<prompt> Human: Me: Early 40s, married with two young kids, professional, and Silicon Valley homeowner in Silicon Valley.My wife and I she, too, has excellent credit feel like we dont take enough advantage of our scores. Any advice on maximizing the benefits of an excellent credit score? Thanks in advance!  <response>: Like what? Besides getting good rates on loans and not needing to worry about anyone doing a credit check, your credit score doesnt really matter. 