Credit Expert's Page

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.


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.