I don't think this process of getting started and the late payments is what may hold you back from getting a loan in the near future. (getoutofdebt.org)
With that knowledge, we can better appreciate where others are coming from and even begin to understand certain thought processes behind decisions and behaviors. (seenmagazine.us)
Extensive cognitive restructuring, or the ordering of thinking processes in the brain, is often necessary for major life transitions. (wisegeek.com)