Sorry for the profanity in the same sentence as Jesus, but you get what I mean? Jesus didn’t care one iota about what his credit score was, so why should you?
Oh yes, “THEY” scare you to believe it means something. And, of course it does to a certain extent in this human existence on Earth. It is one of the tools used in commerce and in being a good human citizen. But, you should not let it scare you to pieces and to conform if it is not in your best interests.
There was a man in foreclosure court a couple weeks back representing himself Pro Se to try and keep his house. He sat in front of the judge with his 5 year old daughter and explained how he had experienced some health setbacks and had a job lined up out of town, so needed some extra time to stall the foreclosure so he could complete a short sale. The judge was not lenient towards him and he left crying. I chased him out and suggested he declare bankruptcy right before the sale date to stop the foreclosure and buy himself time. He cried saying he wouldn’t do that as he didn’t want to ruin his credit. Hello, your family’s shelter and getting back on your feet versus your credit score? I send him light.
For years, I was a model citizen with not one late on my credit report for about 20 years. I was only 23 when I bought my first house and amassed several more houses throughout the years – I liked playing Monopoly when I was a child. But you know what, even though my score was decent, it was never high because I had too much credit, I was told. How messed up is that? Because I owned several properties with several mortgages and paid them all on time, I still was not granted the golden ticket of a high score. That always annoyed me.
Fast forward to when I could no longer keep my empire solvent. It was very, very difficult to break out of the cycle of caring about my credit score. There were so many what if’s involved – what if I would never be able to buy a house, what if I would never be able to buy a car, etc. etc. etc. I slowly moved my mindset to using cash versus using credit. And, realized what my score was did not matter if I had cold hard cash to pay – cash is still king, no matter what anyone says – and gold and silver is even better, but I digress…
I will be honest a decent credit score still does matter as I needed an insurance quote recently. The fact I had no losses for years and years on multiple properties wasn’t relevant to them – my credit score was – how fucked is that? Regardless, I am more than happy to have broken free of the bonds of thinking my credit score defines me in any way shape or form. Take a clue from Jesus and look at the things that are really important in life like loving your neighbor and loving yourself versus worrying so much about man imposed limitations. Yes, sometimes we do need to play within the lines of whatever planet we may be living on at the time but if we understand the lines are only that and not some big behemoth to be scared of, then one is freer to focus on the things in life that really matter like family and friends and being kind and considerate.
