How it Impacts Your Credit Scores

Your credit scores can be impacted by applying the Kingdom Principle of Stewardship.

To learn more about how to improve your credit scores, complete the form below to receive your free download of my eBook titled "What Every Christian Should Know About Credit Scores".


Like many of our credit repair clients, you may feel there's a correlation between your credit scores and your character. Often, clients will call and the first words out of their mouth will be "I'm not a bad person; I just got into a tough situation". As a result, they weren't able to pay their bills as they'd planned.

However, we make decisions everyday and there's a consumerism mindset that says, "I want these things; they are important to me." For example, you may want to be a successful business person. Or you may feel it's important to travel and visit your family, or build financial security. We choose our actions based on what we value. Our credit score is a result of the choices we make.

You may be operating the Kingdom Principle of Stewardship by paying your bills on time and keeping your financial commitment. Then life happens. Perhaps you lost your job, or someone in your family got sick. However, if you didn't apply the Kingdom Principle of Stewardship by planning for the unexpected or building a nest egg, you may be trapped in a perpetual cycle of financial crisis.

Credit Scores: It's about stewardship.

Well, God doesn't want you trapped in the rat race of stress. He has provided a better way for us to live, and has given us a blueprint for success through His Word, the Bible. If you study the parable of the shrewd manager (steward) in Luke 16:1-14, you will find many valuable Kingdom Principles of Stewardship to use in handling your finances:

1Jesus told his disciples: "There was a rich man whose manager was accused of wasting his possessions. 2So he called him in and asked him, 'What is this I hear about you? Give an account of your management, because you cannot be manager any longer. 3"The manager said to himself, 'What shall I do now? My master is taking away my job. I'm not strong enough to dig, and I'm ashamed to beg- 4I know what I'll do so that, when I lose my job here, people will welcome me into their houses.' (Luke 16:1-4 NIV)

The manager goes on to reduce the debt of some of his master's debtors. After which he is called in for a review with his master.

8"The master commended the dishonest manager because he had acted shrewdly. For the people of this world are more shrewd in dealing with their own kind than are the people of the light. 9I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings.

10"Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. 11So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? 12And if you have not been trustworthy with someone else's property, who will give you property of your own?

13"No servant can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money."(Luke 16:8-13 NIV)

Notice that the master calls his manager on the carpet because he's been wasting his resources. In other words, he was poorly executing principles of stewardship.

Yet, how many times have we made unwise choices in how we manage the finances, time, and other resources with which God has blessed us? So when we talk about principles of stewardship from a Christian perspective, we should avoid wasteful spending.

Where we spend our money, and the choices that we make will vary according to our purpose and the things that we've identified in our life as being important, as being guiding principles of how we want to live our life.

However, we can probably all agree that incurring finance charges and penalties from late payments and non-payments, is wasteful spending. So in a practical sense, the work that we do to improve and protect our credit scores is an application of the principles of stewardship.

Stewardship - It's about people

Another principle of stewardship this parable teaches, is that God cares more about His people than the bottom line. Notice that Jesus teaches that the people of this world are more clever in their dealings with people than Christians.

We are admonished to use our wealth to win friends and influence people so that when this world has passed, we will be welcomed into eternal dwellings. God is looking at how we treat others. When we show compassion and love to others, it impacts our eternal future. This is another principle of stewardship.

Notice that the manager reaped from his master the same compassion that he had sown into others. This simple action of blessing others caused his master to pardon the "dishonest manager". Sowing and reaping, giving first what you want to receive, is a cornerstone principle of stewardship and an indication of how God's system, the kingdom of God (the King's domain) operates.

Ultimately, in the eyes of God, you are blessed with money for a divine mission-to expand His kingdom. The heartbeat of the kingdom of God is not land, natural resources, or material possessions. No, the pulse of God's kingdom beats in the heart of His people.

It's about people. It's about the souls. As Christians, every action that we take influences people either for good or bad toward God. Our actions can either be a sweet aroma that draws mankind to Him so that we become a light that shines in the darkness, pain, and adversity of this world. Or our actions can become a stench that may drive people away from the Lord. This is a critical Kingdom Principle of Stewardship

A good steward understands the Kingdom Principle of Stewardship that "if you are not faithful over a few things, you can't be made a ruler of many." This is not necessarily about chasing after financial riches, but in growing and increasing in who you are. It's about becoming the best person that you can be.

Money is an amplifier, so getting more money will only amplify who you are, both strengths and weaknesses. Whether you are managing $100 or $100,000, your basic ways of handling money will be the same. So instead of chasing after money, apply the principles of stewardship and pursue transformation. You want to be transformed into the type of person that God can entrust with more resources. This is the ultimate Kingdom Principle of Stewardship.

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