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That written accounts of a violent event are perceived as one event but every time any image of a violent event (like images repeated over and over on the news like the Challenger exploding or the World Trade Center falling) are perceived each time they are seen as a new event.
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and sell you stuff. I'd start with applying for a secured card, such as Sears or a auto shop/chain. Make sure you pay more than the minimum early each month. Regular, on time payments are much better than paying the card off, when you're trying to repair credit. Pay down current debts. Your debt-to-income ratio is an important factor, now and particularly when you go to apply for a home. If you have a parent or other person who has a established line of credit and is willing to help you, they can add you to their account. The older the account, the better, so as it's in good standing. don't bounce checks. If you're not good at balancing each month, tie your checking account to your savings, if you have one. This prevent NSF hits on your report. DO NOT fill out a whole bunch of applications or make credit purchases (auto, etc.) prior to applying for a home. Every time you apply, it shows up as an "inquiry" on your credit report. Too inquiries tips off the would-be lender that perhaps you are looking to take on more debt, in addition to the money they would be lending you. people wait to make purchases (car, furniture, etc.) until they have a "lock" on their mortgage, which is tougher to get, especially these days. If you're a year or more off from taking on a mortgage (which I'm guessing is the case), don't worry about getting a credit card or two now .it's necessary to build your credit history. Plenty more ideas, but start with that FTC website it's a good one.
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