A True Ghost Story. Scared the crap out of me and told as it really happened!

This is my true ghost story. No word of this is a lie. I am telling this ghost story as honestly as I can, how it happened to me. It was many years ago--I was still in my teens--and memory tends to fade, but I've told this ghost story countless times since it's happened and I really shy away from trying to embellish it. At the end of my telling I go into explaining what I think really happened. It's all conjecture but the events were real as i perceived them! Please comment. Tell me what you think.