A lot of people have fallen a little short of cash these days and have ended up damaging their credit rating because of it. If this sounds like you, you might be wondering how to build your credit rating back up after it has taken a fall. Then again, you might be young and have no credit rating at all, which can seem almost as bad as having a poor credit rating when you are trying to purchase a major item like a car.  You, too, can build a go...