What does this mean?  How can I protect my reputation?

What this means is that it is time for you to fix your credit.  Your income may be null or limited, that's ok, there is still a way to save your personal reputation and open more doors of opportunity.  Once you receive your credit report(s), contact the creditors listed and make payment arrangements, even if it is just $1-$5 a month.  Doing this shows your willingness to get back on track, it show that you are putting effort towards establishing stability and responsibility.

Whom can I turn to for help?

There are many resources available to assist with credit repair, make use of your library or the internet.  Most credit repair agencies offer free services, take advantage of their offers and assistance.  Building your credit is more than being able to make a big purchase, it also means you are establishing your personal reputation and setting your survival foundation.