New Era Leaders inCredit Education


New Era Leaders inCredit Education


Members: 18
Latest Activity: May 15, 2010

Contac Information

Thank you all for you support in this mission.
More about me on my profile.

If you have a question about credit CALL and ask. Or email me at one of the sites above

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Comment by Hardest Working Woman In Credit on May 15, 2010 at 1:08pm
Greeting friends,

If you are on face book, join the fan club. We will be talking about REAL issues and concerns for the next generation. I would like to stay in touch with many of my friends. I will be able to connect with many of you there. I am not sure how many people will be disconnected by the recent changes with NING, but lets stay connected.

Author of "The Trinity Collection"
The Hardest Working Woman In Credit

Regina Littles

Promote Your Page Too
Comment by Hardest Working Woman In Credit on November 4, 2009 at 11:56am

Stop by and join the fan club at 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

Facebook- Post Your Credit Questions!!!

YouTube-Subcribe to free on going credit education. Make sure you leave comments!!

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

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 July 30, 2009 at 3:39pm
Despite what you may have heard or read. I'm going to share some helpful tips for you. Contray to what someone may have told you etc.. It is NOT a good idea to get everything in BOTH of your names. Certain accounts like a home yes.. But you must be very careful when planning you finances as a married couple.

Our colleges do not teach us this information. You only find out by making the mistakes after the fact. My mission is to educate you about credit and how it can impact your life. Especially, when it comes to having GOOD CREDIT. If you are young and have not been impacted.. you may want to avoid the following mistakes.. If you have made them. there are ways to attack them and correct them..If you cannot get approved for that house or car, you may want to join my fan club. Also, get the book INNOCENT VICTIMS online at Barnes and Nobles. You can ask me questions and I will help you get on the RIGHT track through my fan club

There are so many tips to avoid and I do not what to overwhelm you with credit Jargon. However, just know that your degree does you no good if you are not prepared for LIFE. You can get a good job and struggle day to day-pay check to paycheck.. even with a college degree.

What do you Avoid?
Avoid creating DEBT together. Do not put everything in your NAME together. This is one of the biggest mistakes couple make. To be honest, I did it at age 18..

The other costly effect of getting everything together is that you could both suffer if the marriage does not work. You both will end up with bad credit, especially if both of you decide not to pay any of your accounts that you got together(while being married).

Make sure you know what your husband/wife may add you too aswell. Know the pros and cons and get in the game of life.. You can survive the game if you know the FACTS.

Author of Innocent Victims-A must read for ALL Americans
Comment by Hardest Working Woman In Credit on July 20, 2009 at 12:13pm
Here is a tip to save you money. Keep building and staying on top of your game..

Many of us pray and ask God to bless us and yet we don't know a blessing when we see one..

With that said, if you are a credit card holder with Carnival Seamiles, Juniper, or Barclays. This information is for you. If you are not and have received something similar in the mail by another company, you might want to take HEED.

The companies that make money and get rich off consumers are figuring out ways to do it, even in times of crisis. I recently received another letter from the company above regarding the CHANGE in terms of my account. This may or may not have had anything to do with the current behavior of my account..

However, when you get information/disclosures in the mail READ the information. Companies must send it to you by law. I have a similar blog about this you may want to read that as well.

I won't explain this in percent form because many people may not understand. My form of writing is a simplified version due to the nature and how important it is. Here goes...

If you are being charge 40.00 a month for a card and the company writes you and inform you that the card will now be 100.00 a month.. What are you going to do? Are you going to pay them the 40.00 or 100.00? Another other words, your interest rate could be 10% and jumps to 29%.

The letter states that I have the option to accept the higher amount(so they can make money off me) or close the account.. I have chosen to close it... Just think about it for minute.. If everyone decided to close their account in one day. That company would go out of business. Consumers are not standing together. Instead, fighting against each other, just as some families do.

NOW there is a catch and you will find this in my book. YOU ARE NOT SUPPOSED TO CLOSE CREDIT CARDS.. the reason is because you will loose points on that card.. When you know the game of credit you can reposition your self. Just as I am about to do. I am going to close the account because it is costing me way to much money.. the card is bad for me and will cost me.

On the flip side, I am going to get my points back from another lender....YOU win some and loose some. GET IN THE GAME...

Now Read INNOCENT VICTIMS of credit and get educated and play the game.. Join my fan club at and stay in the loop with credit knowledge..
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Comment by Darlene on May 10, 2009 at 9:38pm
Thank you for inviting me to this group. I will help as much as I can, when I can. This is an excellent idea.
Comment by Hardest Working Woman In Credit on May 5, 2009 at 11:42am
Please call me to discuss the event.
Comment by Hardest Working Woman In Credit on April 28, 2009 at 5:53pm
We have twelve states so far. We are rocking and rolling. We can do this, yes we can.
Washington D.C
South Carolina
New York
Comment by Hardest Working Woman In Credit on April 28, 2009 at 5:52pm
I need for everyone on the SUMMIT BOARD to email me at

You will need to email me your contact information and a three sentence or more paragraph about yourself.

The state you will be representing
One famous quote
One spiritual verse

I would like the site for the summit to be up and running by June 1, 2009.

The deadline for you profile will be May 23, 2009.

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