If your home renovation requires new walls, you may want to consider using metal studs. They have many advantages in a basement area, where moisture and insects can be a problem. Metal studs are easy to assemble, and you can pre-cut several at once with a carborundum blade on a power saw. Then, they quickly fasten together with self tapping-screws. Metal studs are lightweight, fireproof, and recyclable.
There are no easy ways to improve your credit score, but you can work to keep it acceptable by maintaining a good credit history. This means paying your bills on time and not overextending yourself by buying more than you can afford.