They typically cause the problems to start with, you can't get
credit for fixing what you broke.
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The first step in fixing one's credit is to obtain a credit
report and review it for incorrect negative information. It is also
helpful to pay off and close out credit card accounts that are not
necessary.
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The Corpus Callosum. You can go to Neuroscience for Kids to find
answers like that.
*Actually, the Corpus Callosum is the structure, but the type of
tract is commisural.
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The My Money Coach website is a great interactive website for
those who are interested in fixing their credit. They provide
advice, answer questions and offer products for those looking to
improve their credit.