Monday, March 28, 2011

Day 22 (March 28): What’s My Credit Score?


We had powerful meetings this weekend! I’m amazed at how the Holy Spirit moves when we make Christ the focus of our worship experience. We are a few days beyond the halfway point in our 40-day journey to Financial Empowerment.

The journey has four 10-day phases to it, as referenced in the small brochure I wrote detailing the nuances of our journey. You can access the brochure online www.christchurchusa.org/doc/Financial_Empowerment_Journey_Brochure.pdf. This third phase captures Day 21 through 30 and focuses on our attaining financial freedom. Solomon says, “The prudent see danger and take refuge, but the simple keep going and suffer for it” (Prov. 27:12).

Financial freedom requires that we anticipate things that may rear its head in the future. This includes both good and bad things. One of the steps we can all take, which costs absolutely nothing, is to get a copy of all three credit reports. The three main credit bureaus—Equifax, Experian, and TransUnion—are the reporting agencies that apprise people of our credit scores every time someone does a credit check on us. To preserve our financial future as Solomon advises, we need to ensure that everything in our file is accurate.

To access your free credit report every 12 months, go to the federally mandated website www.annualcreditreport.com. The website also has a lot of great answers to frequently asked credit reporting questions.

How has this Journey helped you so far to experience financial freedom? Do you feel more empowered? Do you feel a greater sense of peace because you’ve been equipped with answers to financial questions? Share your experience with us.

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