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The CREDIT EXPERT

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  • General

    Coming Soon! You can watch me get down on credit education from  your FB mobile. --------------- WORLD EXCLUSIVE INTERVIEW INNOCENT VICTIMS
    Currently seeking victims of credit and the mortgage crisis. share your story at www.creditadviseforyou.ning.com Regina is the Founder & CEO of KOX FINANCIAL CONSULTING GROUP, LLC, The Founder of Outspoken Reality Social Network and now author of Innocent Victims. The name represents who she is as a person and great leaders who made change happen. She hopes to continue the legacy of Martin Luther King, Obama, and Malcom X. Regina is the second child of seven children. She was born in Pahokee, Florida on January 27,1974. My hometown is Clewiston, Florida. After college, she moved to Orlando, Florida where she currently resides. She holds a Bachelors Degree from Florida State University from the Department of Education and a Masters Degree from University of Central Florida in Criminal Justice. She is a member of the National Association of Female Professionals, Black Authors on Fire, Ladies of Christ Proverb 31, Sista Unity, Essence, and Black Business Women Online. Prior to starting her consulting business, She worked with the State of Florida for five years. Afterwards, she ventured in the private sector as a program director for boys in youth programs. Regina states that life has taught her a lot of lessons. She states that leadership is so important and she does not see that in the world of credit and finance. She has data from her research that explains why consumers have bad credit. Regina has seen both sides of the fence when it comes to finance. She was raised on welfare and lived in a mobile home park. She has seen the side of struggle and the side of having a money. She recently started Outspoken Reality Social Network, in December 2008. She created the network to be an avenue for consumers. The lord revealed that her calling was helping people. Regina realized that god gave her the best gift a person can have. He blessed her with knowledge. In 2003, her pastor Fred Gamble of (True Vine) told her that god had a plan for her life. It was not until 2008, that she realized what that was. Regina states that she tried running from credit, but it keep hitting me in the face. She received numerous calls from her family, friends, and people who she did not know. She had to turn many of them away. However, with the wake of the mortgage and credit crisis she knew her knowledge could help Americans. On January 21, 2009 when our president called for ordinary citizens to help change the world. Regina states that was the call and the second confirmation from god that she needed. She realized that when you are chosen (you can not run from what god has called you to do). She has been studying and researching credit for nine years. After college, Regina says that she did everything the books said, but was face with bad credit after college. She had a home in her name that was past due and multiple errors on her credit file. The experience and education laid a solid foundation for her to succeed. She became an investigator for her self and corrected her file with in a year. She initially started with a 499 credit score and ended up with a 680 in a matter of months. Regina states that she took the tools from college and applied them in her life. She graduated with over a 3.0 from both colleges. She states the most valuable thing about college was writing research papers. Credit became a hobby for her nine years ago and she has been studying credit ever since. She enjoys studying credit and giving people advice that is needed in todays society. Her first book, Innocent Victims, will be published in the summer of 2009 online at www.reginalittles.com. Innocent Victims seeks to educate people on credit matters. The book is a guide to what’s happening in credit world. It also comes at a time where people need to become educated about money and finances.
    I recently started Outspoken Reality Social Network,www.creditadviseforyou.ning.com www.reginalittles.com. Innocent Victims seeks to educate people on credit matters. The book is a guide to what’s happening in credit world. It also comes at a time where people need to become educated about money and finances. I ENJOY RESEARCH, WRITING, AND DEBATING ON INTERESTS THAT REALLY MATTER IN TODAY'S SOCIETY. I AM AN ADVOCATE FOR EDUCATION AND INFORMING PEOPLE ABOUT THE SYSTEM. KNOWLEDGE IS POWERFUL. I AM HUMBLE AND A PEACE MAKER. MORE TO COME LATER. -- Join the student loan challenge!! Get rid of student loans. Regina is helping YOU REDUCE YOUR STUDENT LOAN DEBT. JOIN FOR FREE BELOW. ..
    Visit Outspoken Reality Social Network (EDUCATION ON A NEW LEVEL)
    Join my fanclub and follow my blog.. SEEKING LEADERS FOR THE LEADERSHIP CREDIT SUMMIT. PLEASE EMAIL at advocate102@hotmail.com OR CALL ME AT 321-287-0986 FOR MORE DETAILS. THE DEAD LINE FOR THE COMMITEE MEMBERS AND STATE REPRESENTATIVES IS MAY 2009. PRAY FOR WHAT GOD WANTS YOU TO HAVE NOT FOR WHAT YOU WANT TO HAVE. IF YOU ARE READING THIS AND AT YOUR LOWEST POINT IN LIFE. REMEMBER YOU ARE ON YOUR WAY UP.. IT ALSO A SIGN THAT GOD IS CALLING YOUR NAME AND HE HAS A PLAN FOR YOUR LIFE. DON'T WAIT TOO LATE. GOD IS KNOCKING AT YOUR DOOR. SO LET HIM IN AND WALK DOWN THE PATH HE HAS FOR YOU.

  • Music

    MY son curtis ..
    Find more music like this on Outspoken Reality Social Network (EDUCATION ON A NEW LEVEL)
    YOLANDA ADAMS AND MARVIN SAPP KEEP ME MOTIVATED. MICHAL JACKSON IS STILL MY ALL TIME FAVORITE. WHITNEY, MARY J, LYFE, JAHIEM AND PRINCE. THE LATE 2PAC KEEPS ME OUT SPOKEN. If the Lord has you on hold... hold on! If the Lord has said 'NO' to you... thank Him! If the Lords is molding your heart and mind.. go with His change! If the Lord opens doors that you have asked Him to open.. Praise Him! Be blessed wherever you are in your life today! God has His hands on the situation!
  • Movies

  • Television

    I DO NOT WATCH TELEVISION. I STOPPED WHEN MARTIN WENT OFF THE AIR....I DO HOWEVER WATCH THE NEWS FROM TIME TO TIME.

  • Books

    RACE MATTERS BY MR. WEST THE BIBLE-KNOWELEDGE IS POWERFUL On sale now!!at www.reginalittles.com ON SALE NOW AT www.reginalittles.com

    MY FAVORITE BOOK IN THE BIBLE IS JOB. A MUST READ AND UNDERSTAND HOW JOB WAS TESTED. WILL YOU PASS THE TEST? WILL YOU SURVIVE THE STORM? WILL YOU WORK FOR GOD? BE READY WHEN HE COMES.

  • Heroes

Blurbs

About me:

Consumer Credithas become the crux of our economic crisis. Many people have put the blame on the individuals for taking out loans that they could not afford, but the true responsibility falls on the heads of the lending industry who intentionally gave out loans to consumers that they knew couldn’t afford them. This book was written to expose the truth behind the greed of the lending industry and how they tend to prey on uninformed consumers. My goal is to reveal the deception behind poor lending practices that often result in an overwhelming amount of debt and financial slavery for the borrower. Most consumers tend to purchase high ticket items and get buried under piles and piles of debt without fully understanding the terms of the loans that they sign off on. The lack of financial education couldn’t be more evident than now where foreclosed homes are at an all time high and consumers filing for bankruptcy have superseded any record ever, in our Country’s history! It’s not ironic that the release of this book comes at a time where our Nation and the World has supported the cry for “CHANGE”. For nearly eight years, I’ve tried to get Innocent Victims on the shelves, but realized that this was the perfect season for its release. The election of 2008 has been noted as one of America’s greatest historic events, and it is with great joy that I stand as an advocate with our Presidents call to action for each one of us to do our part in the process. As a analyst in Consumer Credit, I want to make sure that I touch as many lives as possible with this information to help individuals learn how to protect their future from shark lending practices, and become educated about the proper use of credit. It is my hope that this book circulates amongst many generations, educating adults and children alike. If our children are educated early about the proper use of credit and the importance of protecting their names, then we could see a greater outcome of success for their future and their financial positions. Innocent Victims is an eye opener for many people of all ages. If you have had a challenging encounter with your credit so far and wish to totally reposition yourself, then Innocent Victims will position you to never become the victim again! And if you are a newbie on the credit scene, and are taking precautionary actions to ensure that you are never the victim, then you have made a wise choice as I will educate you on how creditors view your credit profile, and the misleading information given to consumers to lure them into the traps of financial -- slavery.

www.reginalittles.com





Tip for Collection Calls
http://creditadviseforyou.ning.com/video/tip-for-c...

Check out "Tip for Collection Calls" on Innocent Victims Of CREDIT (HELP ME WAKE UP AMERICA)

Who I'd like to meet:

YOLANDA ADAMS THE WOMAN THAT CHANGED MY LIFE. KELLY PRICE THE WOMAN I AM SO PROUD OF. OPRAH THE WOMAN I HOPE TO BE LIKE SOME DAY. OBAMA THE PRESIDENT THAT MADE HISTORY. JAHIEM THE PERSON THAT FIRST INSPIRED ME. TAVIS SMILEY THE MAN WHO MADE ME WHO I AM TODAY. JUANITA BYNUM WHOM I GET ALL MY INSPIRATION. I WISH I HAD MET 2PAC THE PERSON THAT INFLUENCED ME TO BE OUT SPOKEN

Details

  • Status: Single
  • Here for: Networking, Dating, Serious Relationships, Friends
  • Hometown: orlando
  • Orientation: Straight
  • Body type: Average
  • Ethnicity: Black / African descent
  • Religion: Christian - other
  • Zodiac Sign: Aquarius
  • Children: Proud parent
  • Smoke / Drink: Yes / No
  • Education: Post grad
  • Occupation: AUTHOR OF INNOCENT VICTIMS
  • Income: $150,000 to $250,000

Schools

  • University Of Central Florida

    • Orlando,FL
    • Graduated: N/A
    • Degree: Ph D.
    • Major: Public Affairs
    2008 to Present
  • University Of Central Florida

    • Orlando,FL
    • Graduated: 2002
    • Student status: Alumni
    • Degree: Master's Degree
    2001 to 2002
  • Florida State University School/florida High

    • Tallahassee,FL
    • Graduated: 2001
    • Student status: Alumni
    • Degree: Bachelor's Degree
    • Major: Rehabilitation
    • Minor: Education
    1999 to 2001
  • Edison State College

    • Fort Myers,FL
    • Graduated: 1998
    • Student status: Alumni
    • Degree: Associate's Degree
    • Major: Nursing
    1997 to 1998
  • Clewiston High School

    • Clewiston,FL
    • Graduated: 1992
    • Student status: Alumni
    • Degree: High School Diploma
    1989 to 1992
  • Lake Shore Annex Transition School

    • Belle Glade,FL
    • Graduated: N/A
    • Student status: Alumni
    1988 to 1988

Networking

    • Publishing
    • Writer
    • Novelist

    Black Authors Network‏ National Association of Female Professionals‏ Black Author's Event Center‏

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