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Comment by Hardest Working Woman in Credit on November 4, 2009 at 11:30am

Stop by and join the fan club at www.creditadviseforyou.ning.com. Make sure you re-post the videos and forward the videos. It's time for change and millions of people do not know the truth about credit. The BLAME is on the consumer. But who forgot to TEACH THIS IN OUR SCHOOL SYSTEM AND COLLEGE.

Thank you for you assistance. Be blessed and remember to bless others. If we want change, it's up to us to change.

Free education!

The Credit Expert, Author of Innocent Victims online at Barnes and Nobles, Books A Million, Walden Books, and amazon.com

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RE-POST and let's get educated...Send through emails and forward to friends. I am only ONE person and I need your help. Remember one person can change the world. This does not cost a cent so forward...

Contact me at advocate102@hotmail.com
321-287-0986

Free workshops for the first 30 churches. Book for next year! This year has been booked already.. NO excuse, change is coming!!

Comment by Hardest Working Woman in Credit on August 28, 2009 at 7:02pm

I just want to let everyone that I am on facebook. You can join me to get more updated about credit information and history. I think it is important to talk about history as it relates to credit. Please take a moment and join me there. I have a fan page. Thank you to all my true followers who believe in the cause to educate all Americans. I know we have a long way to go in this complex world that was created for us to fail. I just thank God for the ability to help you understand it.

Author of Innocent Victims, spread the word and lets wake up.



Regina Littles

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Comment by Hardest Working Woman in Credit on May 21, 2009 at 11:52pm

The dangers of a secured credit card

A secured credit card is used only for the purpose of rebuilding your credit. Most banks will charge you a start up fee for the card. This fee can range from $20.00 to $200.00.

The consumer is paying to have a credit card that will charge them interest on their own money. A secured card reports to your credit card just like a real credit card. In some cases it will show secured, but not often. This depends on the company that you get the card from.

My question to many consumer is why would you want to pay interest on your own money? This makes no sense at all. Also, why would you use a card that will lower your credit score when you use it? Most secured credit cards have a minimum deposit of $200.00 or $300.00 deposit. So, when you use more than half of the limit, your score will go down.


More dangers to beware of below:

The company will charge you a high interest rate.
The company will charge you a set up fee, just for the card.
The company will charge you a late fee on your own money if you don’t make the payment on time.
The company will report you late on your own money when you miss a payment on your money.

The only way a secured card will benefit you is when you do not use the card. Let the card work to your advantage. Let the bank pay you money on the secured card, so you gain money. If you are trying to REBUILD your credit this is an excellent way to rebuild your score and make money.

However, you want to use the card to your advantage and the intended purpose. My advice would be to use a secured card like a saving account. Dump any money on the card that you want to save for about a year or longer, just enough for you to rebuild your credit.

Next, pull all your money off the card and close the account (all at once). Remember, the key to credit is playing the credit game. If you do not know the rules, you will loose.

The real question with secured cards is “how much do you want to loose”? One year two years, three years, or forever. Remember, you will pay a yearly fee for that card. If your are paying $59.00 a year, that will cost you around $295.00 for five years.

Last, make sure you get a secured card that has a good interest rate, so you earn more money. Also, one that has a maximum high limit. For example, you can put up to $5,000.00 on some secure credit cards. Most cards have a set limit on how much you can put on the card. So get one that you will benefit from. More blogs like this at www.creditadviseforyou.com

Don’t miss out on important information, don’t ignore the signs, and come get blessed with free knowledge. .Outspoken Reality

Comment by Hardest Working Woman in Credit on April 20, 2009 at 12:23pm

CHALLENGE YOURSELF
REPOSITION YOURSELF
EVALUTE YOURSELF
DIRECT YOURSELF
INSPIRE YOURSELF
TRUST YOURSELF



Visit Outspoken Reality Social Network
Follow my BLOG

We asked for CHANGE and it is up to us to make change happen.
Don’t spend the rest of your life paying INTEREST and working for nothing.

My vision is to build a network that gives advise to people regarding credit. Send your family and friends to be apart change in 2009. No membership fee.

Thank you for your support in advance.
Regina
www.reginalittles.com