In one sentence, describe what the following article is about: You are entitled to a free copy of your credit report each year from each of the three major credit reporting agencies. You should make a practice of requesting this report each year. Review it carefully and compare it with the report from the year before. If you notice that the score has decreased, you should try to identify the reason and make any necessary corrections. You can reach the three reporting agencies to request your score and free report as follows: TransUnion - www.transunion.com, or 877-322-8228 Experian - www.experian.com, or 888-397-3742 Equifax - www.equifax.com, or 800-685-1111 Alternatively, new companies like Creditkarma.com offer free checks of your credit score. When you review your credit report, you should look for any suspicious activity. If you see any reported accounts or purchases that you think are inaccurate, you should contact the reporting agency right away. Their websites contain multiple options for you to contact customer service, either by phone, mail or email. When you call, you should have your copy of the credit report with you. Circle or highlight the questionable items you want to discuss. Keep a pad of paper with you and take notes of the phone call. Get the name and contact number of the person you speak with. Take careful notes of any recommendations or suggestions. Find out what the agency says it will do to investigate your concern. Ask how long it will take. Follow up again, by phone or in writing, if that time passes and you have not heard anything back from them. Each time you apply for credit, the lender must check your credit report. Each check like that registers as a mark against your credit score. Obviously, if you need the credit and know what you are doing, then go ahead. But do not apply haphazardly for credit accounts, as too many inquiries can damage your overall credit score. When you monitor your annual credit report, you should see a report of all credit inquiries. If you see inquiries that you do not recognize as requests that you initiated, you should ask the credit agency to investigate. If the inquiry cannot be verified as one that you initiated, you can have it removed to improve your credit score.
Summary: Check your credit reports annually. Question any inaccuracies. Avoid credit inquiries.

In one sentence, describe what the following article is about: You can find kits that detect a specific drug or multi-panel kits that test for up to twelve drugs. Decide which drugs you need to test for, and choose a kit that fits your needs. Multi-panel tests are more expensive, but most companies that drug test administer multi-panel tests. These tests are most like the ones frequently used for pre-employment screening. There are now inexpensive kits available at most dollar stores, however they're often inaccurate. Before making a purchase, check a kit's label to make sure it's certified by the FDA (U.S. Food and Drug Administration). For locations outside of the U.S., look for a comparable certification seal, such as the CE (European Conformity) mark. Most test kits have a shelf life of one year. After the expiration date, the reagents that detect drugs start to degrade, which makes the test inaccurate. You should be particularly careful about purchasing tests online. Make sure any product you purchase has a guarantee or return policy in case you find that it's expired when you receive it. If you're concerned about getting the most accurate results possible, look for kits that include lab testing in the purchase price. If you yield positive results, you can mail the sample to a lab for confirmation. While more expensive, a lab can rule out false positives caused by foods, drinks, and over the counter products, like cold or allergy medications.
Summary: Decide which drugs your test kit should detect. Go with an FDA or CE certified test kit. Check the test's expiration date. Invest in a kit that includes lab testing.

In one sentence, describe what the following article is about: Seeking help from a mental health care provider (a psychiatrist or psychologist) is a very important part of recovering from PTSD. Going to therapy as early as possible once the PTSD has appeared is preferable, as early treatment can mean a faster recovery. People with PTSD can also seek help in a community-based center or clinic. The longer symptoms are allowed to continue without the help of a mental health care provider, the harder it will be to change and recover from those behaviors. If your loved one has agreed to go to treatment, make it easier for them by gathering information on different therapists. You can also set up an appointment for them once your loved one has determined which therapist they would like to talk to. If your loved one refuses to get treatment, go to a counselor yourself and discuss the challenges you are facing when dealing with your loved one's PTSD. The counselor may be able to give you some tips on how to handle your loved one's symptoms and refusal to get help. Tell your loved one that you went to see a therapist. Telling them about your experience will normalize going to a psychiatrist, which may make them feel better about seeking help themselves. If your loved one is having a hard time accepting the need to go to therapy, tell them that you will go to therapy with them. Therapy for families of people suffering from PTSD can be found in many community clinics.
Summary:
Discuss the benefits of getting treatment with your loved one. Collect information about treatment for your loved one. Go to a counselor to seek help if your loved one refuses to go to therapy. Let your loved one know that you are willing to participate in family counseling.