Credit doesn’t break
Most of us begin learning about credit after it has already been misused.
We get our first credit card and use it until there is nothing left.
With no job and no way to care for it.
Our relatives badly misuse their credit.
Then use our credit to finance a new life.
Leaving us with nothing left but debt and no way to recover it.
Our identities are stolen by strangers.
The swiftness they use to misuse our credit is better managed than our ability to protect it.
But, there is good news.
The ability to start again is still available.
Credit doesn’t become broken and in need of repair.
It starts out as undeveloped, and until we do things to develop it, it continues to be undeveloped until we give it purpose.
My father had a heart attack in 1999.
His health was bad from eating foods high in salt and cholesterol.
In order to improve his health, his doctor prescribed medication to break up the cholesterol in his arteries and he had to have a quadruple bypass heart surgery.
Pieces of his arteries were removed from his thighs and were used to replace the arteries that were too badly damaged to function well.
Drastic measures had to be taken in order to help him recover from the damage he had inflicted upon himself.
His diet had to change.
His lifestyle had to change.
He could no longer depend on his bad habits with food.
He had to use a new level of care to achieve a better quality of life.
Your credit is like your health.
Your heart isn’t broken after you have a heart attack.
You don’t use quick-fix methods to repair your heart when it fails.
You change your habits and learn new ways to achieve a better quality of life.
Credit is the same way.
Once you have misused your credit, it is time to create a new healthy lifestyle so that you can prevent future mistakes.
Credit has to be intelligently managed in order to develop it toward particular goals.
It isn’t something that breaks down and needs new parts.
It is something that is mismanaged until you learn better ways to manage it.
Development of credit is like preventative care for your health.
There are changes you must make with your lifestyle for your heart health so that you can prevent heart attacks in the future.
There are also changes you must make with your lifestyle for your credit health so that you can prevent bad credit in the future.
The development of credit is the gateway to a healthy lifestyle for your credit
Name one new thing you learned about your credit as a result of comparing it to your heart. What can you do to begin developing your credit today?