Friday, June 22, 2012


When I think about the word reputation, I immediately refer to what other people think about another individual. Often times people will say emphatically that they could care less about what others feel about them even as a Christian.

The Bible encourages believers to not let our good be damaged by a bad reputation. In essence, we are to display the character of Christ in everything that we do.

My brother, how is your reputation? Can anyone truthfully find a dark stain on your character because of something that you have said or done?

Allow me to shift away from what people directly see as your reputation. Have you ever considered what your financial reputation is concerning your credit score? Wow! That score reveals a great deal about a person's character. Your financial reputation has the potential to limit your buying power and literally cause you to have to pay higher interests rates. Don't worry, it is not the end of the world. You can still come of this on top.

Just like you would try to reconcile with a person who you have offended and in the process damaged your reputation, you will need to reconcile your financial transactions the same way. In doing so you increase your credit score and thereby improve your financial reputation. How?

1. Begin paying every bill on time.

2. Pay down your credit cards to about 10% - 30% of the credit limit.

3. Review your credit report for errors and dispute them with one of the leading credit report companies.

4. Communicate with your creditors if you have a serious financial hardship. They may be willing to work with you.

If you can start to doing these four things, you can improve your financial reputation in no time. Always remember, we represent Christ in every area of our lives.

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