to your job. let me categorize your spending, do that first? guest: right. and you say s you apply for a job, you should pull your credit report, free, at www.annua>m;ii uá what if you see mistakes on there? guest: that is a great point. if you see some mistakes on your credit report, this is the time to take some steps to rectify that situation and that is where the dispute process comes into play, you want to dispute those things that are errors and fix those before employers look at your credit report. you should attach a statement explaining your bad credit. for example, what, you might tell a potential employer i was having difficulty feeding my children? what could work? guest: well, that s a great point. say that there are items on your