http://www.viewpoints.com/aboutme/shilodempsey Sat, 23 Aug 2008 16:50:53 GMT Reviews by shilodempsey http://www.viewpoints.com/Orchard-Bank-visa-review-8f425 I had credit problems from when I was first old enough to get credit cards.  Enough time had passed where a lot of my old bills were starting to fall off of my credit report, but I still could not get a credit card.  Orchard Bank sent me an email, and I decided, what the heck, it is worth a try.  I applied and got it!  I was so excited, no more pre-paids for me.  I received the card, and kept using it and paying it off.  Within a year, they offered me another credit card, and so did Capital One.  I applied for the Capital One card and also got that one!  My credit is on the uphill after almost 10 years, and it is so exciting!  Orchard Bank is to thank. Seriously, if you need to start over, try them.  They helped me!  Happy Credit!... Sat, 23 Aug 2008 16:50:53 GMT http://www.viewpoints.com/Orchard-Bank-visa-review-8f425 shilodempsey 5 http://www.viewpoints.com/Motorola-Razr-V3-Cell-Phone-review-be015 <p>Motorolla Razor.</p><p> </p><p>I thought that I had to have it!  I have been wanting one for the longest, and they keep coming up with new, exciting colors!  The pinkish/purple one finally did me in.  I spent $120 on the phone, even though there are so many new ones out there.  I felt it in my bones! HAD TO HAVE IT.  I have had the phone for 3 months and am about to send it in for repairs.  It started having problems within the first month.  I am not a blabber jaw on it either. It has not been dropped, and I have a separate phone for business.  I just wanted to let you ladies that love c..u...t..e...that it is not worth it.  Motorola makes descent phones, but I have had nothing but problems with mine.</p>... Thu, 21 Aug 2008 15:35:47 GMT http://www.viewpoints.com/Motorola-Razr-V3-Cell-Phone-review-be015 shilodempsey 2