In one sentence, describe what the following article is about: Roughly one out of five Americans has an error on their credit report, and until you examine yours, you won't know if you fall into that group, and if you do, how seriously it could be damaging your credit score. By law, every American gets one free copy of their credit report each year from each of the major credit bureaus. Get your at free report at https://www.annualcreditreport.com. Should you spot a mistake, you need notify the credit bureau in writing and by certified mail. Along with the notification, forward any copies of documents that support your position. It isn't mandatory, but wouldn't hurt to notify the creditor in the same way at the same time. In any event, the credit bureau has thirty days to investigate your claim. If they do not resolve it to your satisfaction, contact the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/ and file a complaint. After you've examined your credit report, you might notice a few blemishes on your record. Not errors, exactly, just relics from when you were younger and poorer. It's by no means guaranteed, but you may be able to negotiate those off of your report if you reach out to the creditor. Tell the creditor you'd be willing to pay them and settle the debt if they would remove the items from your credit report. They may counteroffer, suggesting they indicate instead the debt was "paid as agreed." That's not as effective, but it looks better than a delinquent account. Whatever you agree on, get the agreement in writing. One of the components of your credit score is the proportion of available credit compared to the total credit. If you're using more than 30% of your available credit, it hurts your score. So if you do need to close out an account, you need to pay down enough of the remaining credit to balance the loss of that line of credit. Don't max out your credit limits for the same reason you don't abruptly close lines of credit--you're using too high a proportion of available credit. If you find you're going to need a larger line of credit than the one you have, either ask your creditor to raise the limit or apply for another card. That way you can spread the same amount of money onto several sources of credit, keeping your overall utilization low.
Summary: Check your credit report for mistakes. Negotiate with creditors to remove negative items from your report. Reduce credit card debt to below 30% of credit line. Don't max out your cards.

Think about your personal values and needs when considering your future career. Carefully examining your own needs and wants when it comes to your career can help you choose one that is a great fit for your personality and skills. Writing down your wants and needs can help you organize your thoughts and see them clearly. Think about where you would like to work. For example, do you prefer an office, a restaurant, or the outdoors? Ask yourself if you prefer to work alone or with a team. Examine your preferences when it comes to deadlines. Do you like a busy and tight schedule or do you prefer to have things more open ended? Try to think of positions that don't have a college education as a requirement. Some examples are gas plant operators, subway operators, electrical power line repairers and installers, and farmers. Aptitude tests help you evaluate your skills and abilities, scoring you on specific criteria. Knowing which areas you are already proficient with can help you narrow down your choices when looking for a future career. Many aptitude tests are available online and are free. Some of the areas tested will be logic, numerical and verbal reasoning, spelling, math and computer skills. If desired, you can prepare before taking the test by taking an inventory of your interests, strengths, and weaknesses. There are many on-line quizzes that you can take that will help you to better understand which careers might be the best for you. Many of these quizzes are created and offered by both professional services or governmental services and can give you an accurate idea of which careers you might enjoy. Try some of the following quizzes to learn more about your career preferences: http://careers.state.gov/work/foreign-service/officer/career-track-quiz http://joboutlook.gov.au/careerquiz.aspx http://www.careerbridge.wa.gov/survey_cluster.aspx http://www.rasmussen.edu/resources/aptitude-test/ A benefit of college is that it has very rigid requirements and schedules when it comes to learning new information and skills. Since you may have to learn these skills on your own, you will have to set definite goals for your personal development and strive to meet them. Try reviewing the details of the S.M.A.R.T goal-setting method to get started: S Specific: Goals should answer the questions of "how," "what," and "why". M Measurable: Goals should have components that you can measure and use to track your progress. A Achievable: Goals should be realistic and obtainable while still presenting a challenge. R Results: Goals should focus on outcomes instead of the steps that will achieve the goal. T Time: Goals should have a specific length of time they must be achieved by, adding pressure and incentive to meet them.
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One-sentence summary -- Examine your personal interests and preferences. Take an aptitude test. Try using on-line career quizzes. Set goals.

Problem: Article: Lying will only further erode trust and create more stress for you. If you are dishonest, you will continue to worry about being caught. Be honest and forthright to prevent potential future betrayal and delay the process of regaining trust. Being forthcoming will also allow you to explain your behavior in the best possible way. Your partner may assume the worst and others may exaggerate what happened, so take control of your story. Your partner will likely be upset, and may use negative language. Even if you know you did something wrong, this may cause you to become defensive of deflect blame. It is important to remember your partner is in great pain, and they need to express that. When you start to feel the urge to defend yourself, imagine how you would feel if your partner betrayed your trust. This will help you to recognize your partner's communication as an expression of pain, rather than an attack. Nothing you do will ever justify abuse. If your partner becomes physically aggressive, verbally abusive, or threatens you in any way, you should leave the situation immediately and seek help. to your partner. Show your partner you care about their thoughts and feelings by restating and reflecting what they communicate to you. Restate their communication by paraphrasing. Then, reflect by stating the emotion they are expressing. For example, if your partner says "You said you'd be there, but you weren't. You knew how important this was to me!" then you could say "I realize I wasn't there for you, and that I disappointed you." . It is very important your partner feel heard and understood. Your betrayal represents a disregard for your partner's well being. Demonstrate you care by describing how your behavior likely affected your partner. For example, "My behavior was hurtful and violated your trust." Try to avoid using the phrase "I know," when talking about others' feelings. While not meant to offend, some people may interpret it as patronizing.
Summary:
Take responsibility for your behavior, and admit what you did. Put yourself in their shoes to avoid becoming defensive. Listen actively Validate their feelings