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that are willing to remove a bad score from your credit report. What seems to happen now is this: Say you have a Citibank Visa and you don't pay your. They charge you interest and late fees for a few months, then they close your account. They a couple of times to try to get you to pay and they put bad marks on your credit score. When you don't pay up, they sell your account to a collection agency. The collection agency s and writes a few times and after 30 days, they start putting bad marks on your credit report. Now you have two unpaid accounts showing up. If that collector doesn't collect after about a year, then they sell your account to another agency and the cycle continues. At any point along the way, you can and attempt to negotiate the balance down but most lenders don't want to do much negotiating these days. You'd be lucky to get them to knock off 25% of the debt but if you are really persistent with them, you might be able to settle for less than half the amount owed if you have the full amount and are prepared to pay up on the spot. The best way to fix bad credit is to reduce the amount of debt and make future payments on time. If the credit is so bad that a person can no longer get a or a credit card, then a secured credit card is a good starting point for rebuilding credit. pussy wanting dick Lincoln MassachusettsHIV apps assist PWAs Published / by S. Bajko Photographer Cramer is one of the spokesmen for a new HIV app. Photographer Cramer is one of the spokesmen for a new HIV app. People living with HIV and AIDS now have another tool to help manage their health needs and medications: their smartphones. A variety of downloadable applications for cellphones, as well as computers, are aimed at helping HIV-positive people keep track of when to take their medicines and record health data to share with their physicians during doctor visits. Two of the earliest options were PozTracker and iStayHealthy, which was recommended by Poz magazine. The HIV and Your Heart app uses research and guidelines from the American Heart Association and the American Academy of HIV Medicine to provide suggestions on how to live with HIV. giant Merck Sharp and Dohme Corp. has created the My Health Matters and My Positive Agenda mobile and desktop apps. The digital tools help users track symptoms they incur from their HIV treatments and allow for the creation of reports that display those symptoms users can then to their doctor. Merck introduced the apps last year around the same time as the company teamed up with Project Runway contestant Mondo Guerra, who revealed his HIV status on the show's 8, for the national I Design campaign. This year it has engaged San based photographer Cramer, who splits his time in Manhattan, to join Guerra as a paid spokesman for the campaign specifiy to promote usage of the apps. "I want to encourage people not to be victims but to really be victorious," said Cramer. "It is , and when it comes to HIV, we now can use online electronic tools to better manage our health." Cramer, 50, is a well-known black who has been a longtime advocate for people living with HIV and AIDS. He was first diagnosed with HIV in October , a decade after his father, J. Cramer, Jr.., an accomplished academician, died from AIDS. FULL STORY: sexy older ladies
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