Let’s talk about something most people don’t want to bring up at Bible study:
a poor credit score.

It feels like financial shame’s favorite number—stuck somewhere below 580 and dragging down dreams faster than a lead balloon in a baptismal pool.

But here’s the truth:
A low credit score isn’t a life sentence. It’s a signal. And like any good steward, you don’t ignore the warning light—you get to work.

Credit isn’t just a number. It’s a reflection of past decisions—and an opportunity to tell a new story.

🛠️ Step 1: Face It, Don’t Fake It

You can’t fix what you won’t face.
The first step? Check your credit reports. (Yes—plural. You have three: Experian, Equifax, and TransUnion.)

👉 Go to AnnualCreditReport.com
It’s free, legit, and gives you the truth—uncut.

Look for:

• Late payments
• Collections
• Errors (yep, they happen)
• Old accounts still haunting your report like Goliath’s ghost

💵 Step 2: Make the Minimum. Every. Single. Time.

It may not feel like much, but consistency is currency in the credit world.

Even minimum payments, made on time, show lenders that you’re dependable. And stewardship starts with showing up—even if the seed is small.

Jesus multiplied loaves. Let Him multiply your discipline.

🧹 Step 3: Clean Up Your Past, Don’t Camp in It

Call those debt collectors. (I know, I know… deep breath.)

Negotiate payment plans or ask for a “pay for delete” agreement. Some may remove the negative mark if you settle.

This isn’t about being perfect. It’s about being faithful.
Credit restoration is spiritual, y’all. It’s repentance in numeric form.

📈 Step 4: Get a Secured Credit Card

It’s not a loophole—it’s a ladder.

A secured card requires a deposit (usually $200–$500), and in return, you get a card to use like any other. Use it for gas or groceries, pay it off each month, and watch your score rise like Lazarus.

Pro tip: Don’t spend more than 10–30% of the limit. It’s not just about usage—it’s about wisdom.

👥 Step 5: Pray, Plan, and Plug Into Community

You weren’t meant to rebuild alone.

Find a financial mentor. Start a stewardship study group. Follow accounts that offer gospel-centered money advice.

(Shameless plug: Uniform of the Steward is built for moments like these—when faith and finance need to link arms.)

✝️ Final Thought: God Doesn’t Grade Your Credit Score

But He does care how you steward what you’ve been given.

Luke 16:10 says, “Whoever can be trusted with very little can also be trusted with much…”
Your little step today may unlock the blessing you’ve been praying for tomorrow.

👉 What’s one small financial habit that helped you get back on track?
Let’s encourage each other—drop yours in the comments. 👇