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A must read (the dangers of secured credit cards)

Started by Hardest Working Woman in Credit. Last reply by Prophetess, Valerius A. Lindsey Nov 9, 2011. 1 Reply

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Comment by Hardest Working Woman in Credit on August 30, 2009 at 2:48pm
Some people think that just because you pay a bill on your credit file, it will improve your credit. This is not always the case. In fact, when you pay collection it will do more damage to your file. People tend to do the opposite in improving credit. Once a collection is put on your file the DAMAGE is done. You loose points the day it is reported to your file. Credit is like chess, you must learn to move at the right time. Since, credit is so complex, people tend to get misguided by others. Especially, when it comes to buying a home. It is important to start working on your file a year, before you plan to buy a house.

Prevention is the key to success. Companies tend to sell your accounts after 90 days. So if you are behind on any bills, the goal is to PREVENT any collection activity.

Another unknown fact about credit is the 30 day late payment. This one late payment, will hunt you for seven years. We still have a long way to go to correct some of the deadly traps created years ago.

It's all a trap and a big game. You will learn all the little secrets about credit from someone who STUDIES credit. Paying your bills is only a small percent of your credit. Other key elements make up your entire score.

I don't want to make this too long, however education is the key. Like Malcom X stated years ago, we been HAD. Simply because of GREED and MONEY. Sadly, most credit seminars cost thousands of dollars and are the public cannot attend. They are usually by invitation ONLY and private membership.

Keep the faith and be blessed. Author of Innocent Victims
Comment by Bro. Steve Harris on August 15, 2009 at 2:48pm
Hello there everyone, I can use some new friends, I've got some awesome information to share as well that will bless the body of Christ.

We are going to give away vacation trips and support to churches and pastors in ministry. We have released our new show that will bless people across America.

I'm also going to show ya how to TRIPLE your membership as well too.

Also check out our new Church Growth Site..sign up right away..
understandingchurchgrowth.ning.com/
Comment by Bro. Steve Harris on August 11, 2009 at 1:53pm
Learn how to TRIPLE Your Membership at Your Church..this DVD will be available on this site in just a few days for all members of Black Preaching Network...keep watching for more details. Also become a friend of Bro. Steve (HE IS GIVEN AWAY ITEMS TO BLESS YOUR CHURCH), you will be glad you did..!!

Comment by Evangelist Nellie on August 1, 2009 at 10:32am
Sisters of Excellence & Extraordinary Power Fellowships (SEEP)

Please join us for our EXCITING bi-monthly conference fellowship. Continuing under our Mandate of Unity our topic will be about Our Relationships. We are going to have great time on this call as I know God has a word especially designed for us.

We want this call to grow, be valuable, and relevant to you. This is "The Place To Build True Sisterhood". Invite your family and girlfriends to come over to share in this wonderful fellowship with you. The call lasts for approximately one hour long but is subject to the Holy Spirit. ALL SISTERS WELCOME.

For more information, contact Evg. Nellie Griffith at seepfellowships@yahoo.com

"Enlarging Our Territory"
Fellowship Conference Call
Monday, August 3, 2009
10:00pm EST
9:00pm CST
7:00pm PST
Main Number
(218) 486-1616
Access Code
407029#


Continued Blessings,
Evg. Nellie

SEEP Fellowships is a ministry of education, empowerment, support and healing for All Women. I pray you can join us.
Comment by Hardest Working Woman in Credit on July 30, 2009 at 2:11pm
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 www.creditadviseforyou.ning.com

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 Evangelist Tonya Mangin-Waller on July 27, 2009 at 9:47pm
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Comment by 2009 GIVE-AWAY on July 16, 2009 at 11:04am
Let Us Add You As A Friend On This Network - Just Send Us A Message Telling Us How You Personally Feel About Child Abuse With Your First And Last Name At The End Of Your Message.
Comment by Kishi Franklin on July 8, 2009 at 7:26am
Good morning everyone,
We are soliciting corporate prayer for one of our very own. Ms Shalena R. Shalena is 26 y/o mother with stage 4 cancer in ICU at a local hospital here in Houston, Please pray and stand in agreement with the Word of God for a Miraculous/Divine Healing for here.
Thank you in advance for praying for her healing. To God be all the glory!

IN HIS HOLY PRESENCE!!!


Apostle Kishi Franklin
Comment by Kishi Franklin on July 6, 2009 at 11:18am
Comment by Kishi Franklin on July 6, 2009 at 11:15am
 

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