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Do You Know Your Score?

By Don Loftis | 09.12.18

I don’t know if any one else uses it, but I subscribe (free) to Credit Karma to help me keep tabs on my finances.  Every month it lists all my accounts, so I can easily see if anyone has stolen my identity.  It also posts my credit score as reported by two of the three major reporting bureaus.  This index gives me a regular evaluation of my financial health.


Credit scores are useful, if a person is buying a house or car.  The better the score, the lower the interest rate that will be charged, because you are viewed as less of a risk.  However, there is a much more important “score” — the one that reflects our spiritual health and offers a glimpse into our relationship with God.


I don’t know how the formula would work, but it certainly would include such things as our prayer-life, our familiarity with the Scriptures, and our network of fellowship partners.  It would be seriously affected by how involved we were in local church ministries, as well as how regular we are in attending worship services and classes.  I can see a section evaluating our proficiency (on a 1-10 scale) in demonstrating the fruit of the spirit.  A lot of things could affect that score, and one or two bad decisions could be devastating.


When John wrote Gaius in III John, he said, “Beloved, I pray that in all respects you may prosper and be in good health, just as your soul prospers” (III John 1:2).  I hope your financial record is very good (or at least improving).  More than that, I hope your spiritual health is good–that is what really matters.



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