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disputing cell phone charges
You will find the answer for your second re: cleaning up your credit throughout these forums. Have you read through all the threads on this topic? I am almost positive that if you read through them all and follow the links mentioned throughout you will have the answer you are looking for.
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"The true believer (anyone who is redeemed by the blood of the Lamb) does not do in order to become. He does because he is what God has made him - the righteousness of God in Messiah." "I will show you my faith by my works." (James 2:18)
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