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I pour myself a glass of three-day-old white wine and wait for my wing woman to call. Over the course of our near-two-hour phone call she will grill me on everything from my favorite dishes to dating deal-breakers, from the time I was held at gunpoint in Mexico to my affinity for gin martinis.

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"Credit utilization — the amount of debt on your credit cards divided by all of your credit limits — is a major factor that goes into calculating your credit score," according to Hardeman.

"Try to keep your credit card balances under 30 percent, aiming for less if your budget allows it." For example, if you have a total ,000 credit limit, put less than ,000 on your cards.