If you intend on applying for a home loan....
Don't throw your school loan bills in the corner and neglect them.
Don't let your loan company break your student loans up into like 8 different loans. Make sure they consolidate it. If you are late or short it won't report 8 times on your credit report but only once.
Don't date a broke ass women with bad credit and a stack of medical bills.
Don't live in anyone's apt w/o your name being on the lease, you need it to report to the credit bureau if either of the top scenarios apply to you.
So damn mad right now, home mortgage payment would be less then rent. But because of the above mentioned that's a no go. All I can do is bend over and let rent fuck me hard for another year as I build and fix my credit... all over 35 points. Take it back not even mad... more depressed.