 Credit fairy dust? Yes. I sprinkle some fairy dust on the application and your credit rating magically improves. There's no such thing as the credit fairy. An unbeliever now. But what will you think when your loan is approved? I'll think my credit score improved because I paid my bills on time, kept my credit card balances low, and only opened a new card if I really needed it. It's the dust. It's sand. Don't deny the credit fairy.