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How to prevent yourself from being blacklisted

If you owe money to a credit card company or retail store (or others like doctors), you need to pay those monthly installments or bills ahead of, or on time, and you must pay what is required. If you can’t pay for whatever reason, contact them and explain. Don’t imagine the problem will go away. It won’t.

Contact the store/cellphone service provider, explain your situation, and renegotiate a payment schedule. Make sure you get everything in writing.

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