The past couple weeks here at HNV we’ve been honing in on various strategies to increase your credit score and the why behind where it is currently. If you haven’t been around, take a look at these guys for some super simple evaluation and management tips:
- Your Credit Score 101: 6 Simple Factors That Go Into Your Credit Score (And How to Work Them)
- 5 Easy Tips From the Credit Elite
But what we haven’t discussed is why your credit score matters in life. And more importantly, why it matters to God. So check out these 3 reasons why God cares about your credit score.
Please note: The content on Her Name is Victory is for informational and educational purposes only. We are not financial advisors and thus, do not provide professional financial advice. Our content may or may not apply directly to your personal financial situation and we recommend that you consult a financial professional before making any important financial decisions.
1. Greater opportunities and resources to use for His glory.
We all know that a great credit score means great opportunities. Whether it be a loan approval or low APR credit account, your credit score can open the door for you in many ways. And if you’re called to steward massive sums of money for the kingdom of God, your credit score can give (or take away) your ability to acquire these resources. Yes, God will always make a way for your calling – BUT, sometimes the way God makes is through tools He’s already given you. Remember, we are called to co-labor with Him, not wait for Him to do it all. So it is in our best interest to prepare as much as possible for the moment when God says GO! And if you feel Holy Spirit tugging on you to acquire more resources for His glory in the future but you have no idea how to do it, focusing on what you can achieve now is a great place to start. Namely, getting to that great credit score.
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2. It is an earthly measurement of how you steward your blessings.
Now, as believers we know that we are not ultimately judged by the standards of the world. But that doesn’t mean all the worldly standards are void of wisdom. AND, many of the earthly standards are reflections of heavenly wisdom (don’t forget – God uses all things and all people to bring his kingdom of heaven to earth whether the church actively chooses to participate or not). And it’s easy to see from scripture that God desires us to excel by earthly standards just as much as by heavenly standards, ESPECIALLY when it comes to the stewardship of money (Matthew 25:14-29, Luke 19:11-26, etc). No, your credit score is not a measurement of who you are as a person. But it is a phenomenal indicator of how well you steward your finances. And excellence in all areas of life is a by-product of being a Christian, walking in relationship with our Creator.
Important thing to note: there is no shame if your credit score is less than perfect or even downright awful. Mistakes happen, difficult seasons come up and sometimes life just gets screwed up. Sometimes we even actively choose to do the wrong thing because of various reasons. This happens and there is always grace for our past. But living in the wrong decisions or poor choices of your past is not humility, it’s a victim mentality that says “my life is always going to be a result of my past.” Here is your tough love: you have been given everything you need to change the course of your life today and it’s alive and active inside of you. Get up, get going and make the right decisions to change your future. You are not without tools. You are not without wisdom. The spirit of the living God is inside of you and wants you to walk in abundance more than you want yourself to. You are more than a conqueror and have no excuse to wallow or sulk in your past any longer. You can do all things through Him who gives you strength.
If you need more motivation and heart checks around breaking free from your financial past and walking in victory check out these posts:
- A New Perspective on Debt
- The Financial Fatality of Unworthiness
- The Higher Courtroom of Your Finances
3. It can be a means to increase those blessings.
Jesus was very clear in his parables that we are not called simply to budget and save well, but to increase what we’ve been given. That doesn’t mean just adding more to our savings account as money comes in. That means making what we already have work for us and increase on it’s own. A common (& correct) interpretation of this is investing. Whether this be high-yield savings accounts or trading stocks, growing your money in this way is very wise. However, there are also many creative ways to use our money for increase that many don’t consider. For example, using credit cards with great rewards is basically free money if you budget them well. And the higher your credit score, the better your options for getting these high-reward credit cards. This is another form of returns on your finances.
Use Your Free Tools!
If you’re struggling with repairing your credit, or simply want to figure out how to get it to the next level, use your free tools! You had me at the word FREE … yes, there are FREE TOOLS you can use to evaluate and improve your credit. CreditRepair.com offers a free 10-minute phone call to evaluate your credit for those who sign up online. You can ask the big questions, discuss the complicated stuff and lay the groundwork for building your own credit repair plan. During this phone call they offer you:
- FREE customized credit analysis
- FREE access to your credit score
- FREE credit report audit on all your accounts
- FREE score evaluation and recommended solution
Then, if you choose to utilize their paid services, they walk you through the entire process so you come out smelling like roses on the other end. How does it work? Well, when you sign up they pull your credit reports and organize it in a way that makes sense to us laypeople and identifies actionable steps to improve your credit score and report. They interact directly with the credit companies and bureaus to make sure your score and report is the most accurate and beneficial depiction of your financial situation and obligations. Throughout this whole process you have access to your personalized dashboard, score tracker and analysis and everything you need to monitor your progress in your credit repair journey. Previous members have seen an average increase of 40 points in 4 months.
