Six years ago, I was sitting eagerly beside my Dad in a Ford Dealership showroom. “I’m impressed that your credit score is this good at your age,” the car salesman inquired from the opposite side of the round table. Beneath his surprise, respect and confidence lingered in his voice. I was a fervid twenty-two-year-old desperate to kick down the doors of my adolescence and strut into adulthood.
It was my first major solo purchase and as pathetic as it sounds, I needed the validation of a well informed stranger to tell me, yes you’re doing it right. Though it was likely a part of the car salesman’s pitch, he’d made me feel like I was on the right track. My newfound surety soon ushered me into a season of skipping merrily down the road to my downfall.
Fast forward to 2014. I’d gone through three jobs, (one of which I was fired from) and was surviving off of what was left of my two credit cards, the aid of my parents, and meager unemployment funds. I had a car payment, an apartment and no income or savings. Adulthood had really taken me through the wringer. Eventually, my credit cards went into default and I stood idly by as my credit plummeted to a new low.
Here, in 2018, I’m still picking up the pieces from one hellish year. Working to improve my credit this year has been a constant reminder of my shortcomings in 2014. A few months ago, I set a goal to have my own apartment by the top of next year and purchase a home within the next few years. I knew my credit would be a major factor in reaching those goals, so time after time, I made plans to pay off the bills that had gone into collections. Every time I was close to saving the amount I needed, something else came up. It was difficult to save rainy day money, put away for retirement, pay current bills and save extra money for the debts that were ruining my credit.
I felt stuck. What’s worse, the more research I did, the more discouraged I became. From what I read, even if I paid my debt in full, the stains would remain on my credit for the next seven years, so why bother? Still, I was frustrated with the bill collector calls and constantly being reminded of past errors.
Eventually, I saved enough money to pay off my smaller debts. I then decided to take out a loan from my 401k to pay off the rest of my credit card bills that had gone into default. I didn’t expect to see any immediate changes to my credit score, I was just tired of that cloud of debt looming over my life. By this point, I’d reached the end of all of my resources and had done all I could to right my wrongs. I surrendered to patience and accepted the reality that I had to allow time to heal my credit score.
Much to my surprise, over the next couple of months, my credit score rocketed. It had gone from the red zone to the yellow zone, poor to fair. I was shocked, to say the least. To top it off, not only were my debts showing paid in full, they were removed entirely from my report! My past mishaps no longer had a place in my future!
What I find most interesting, is that out of all the worrying, researching, and effort, my breakthrough took place when I became still. It happened when I reached the end of myself. In doing so, I gave God the opportunity to work on my behalf in a way that only he could.
Sometimes, we don’t know when to stop. And by stop, I mean rest. And by rest, I mean turning over our situations to God completely. This is not an invitation to give up, but a call to recognize the power of the God we serve. We wait too long to come to God for the answer. Yes, be active in working toward whatever your goal is, but remember that we should be in tandem with the Lord, not passing off our problems to him like a baton at a relay race.
If we put God at the center of what we are trying to accomplish, we’ll get there a lot easier. I understand that there are times when it is beneficial for us to go through the storm but there are also times when God wants to bless us and we create unnecessary storms by trying to bless ourselves.
We put too much effort into trying to fix our problems, rather than resting in the panacea that is Christ. God has already given us everything we need to succeed in fulfilling his glory in our lives, it’s simply a matter of activating those resources through him. Stop exhausting and worrying yourself over not having the answers and put that energy into prayer and faith in the one who does.