I've Got Your Credit Fairy Right Here, Baby

Lately you may have seen some commercials on TV where someone is waiting for the Credit Fairy to show up to improve their credit scores.  If you believe these commercials, there is NO SUCH THING AS A CREDIT FAIRY!  *Gasp!*  I know, right?  What's next, the Tooth Fairy?  And to think I actually fell for this ad.  I thought to myself, "Darn, self!  Now you have to pay your bills on time and not use your credit card like it's going out of style.  That sucks!"  And I was all set to run out and buy that diamond encrusted refrigerator, too.  (Stainless steel is sooo five minutes ago.)  I guess this means I also have to stick to my much more modest shopping list from now on too instead of tossing in a few dozen impulse purchases as I meander down the aisles. 

But then it happened! On a recent grocery shopping trip to the Super Walmart, as I'm leaving the register with my shopping cart only partially filled with my meager purchases, I see it!  It's the Credit Fairy!  Cleverly disguised as Tinkerbell. 

While those TV ads try to make you believe the Credit Fairy is make-believe, this local bank is doing their part to set the record straight.  Apparently it was all just a big misunderstanding.  Turns out the Credit Fairy doesn't magically improve your credit scores.  But she can probably get you a credit card with a nice low rate!  That's got to count for something, right?  Now if you'll excuse me, I have some shopping to do.