I’ve found it helpful at work for things like preparing agendas for meetings, or creating an outline of a presentation or document I need to write.
I’ve also found it helpful when I’m trying to Google something where I need to be pretty specific and then I can’t find exactly what I mean by searching.
Not exactly secret, but not very well-known. In many states your credit score can be used as a factor in determining the cost of auto insurance for you. Lower credit scores can equal higher premiums.