Change Your Credit, Change Your Identity

Sunday, my pastor spoke about the blind man, Bartimaeus, who threw off his cloak and called out to Jesus.

In ancient times, beggars — who were blind or physically impaired and unable to work for a living — wore an outer garment that identified them as such. Their coat was literally their identity.

This reminded me that today in the business world, our credit is our identity. Without good credit, we are reduced to “beggar status” and have to take the cast-off loans with high rates and fees.

When we take an expensive loan, we waste money; thus, our finances are further penalized.

People with subprime loans pay more for their cars, more for their insurance premiums, and more for their mortgage loans. How can you get ahead when you’re throwing away money making the rich creditors even richer? It’s time to stop the absurdity!

When Bartimaeus heard Jesus was coming, he jumped up, threw off his coat, and called out to Jesus. He wasn’t going to need that beggar’s coat anymore! He knew Jesus would heal him.

Are you ready to throw off your identity of bad credit? Are you ready to jump up and have a new identity?

Jesus said to Bartimaeus, “Your faith has made you whole.”

Do you have faith that you can change your mistakes of the past, your financial hardship? Do you want a new identity you can be proud of?

There was a time when I stood in line at the food bank because my part-time job at minimum wage was not enough to feed my two kids. Mentally, I never took on the identity of a welfare mom — I knew it was temporary and that I had to get a better job. Three months later, I was off food stamps, and I was on my way upward.

Believe you can make the change, and then take action! Every journey begins with a single step.

P.S. Let me know if you want to hear my story. (At the top you’ll see Leave a Comment.)

Thank you for one of my book readers who sent me this photo.

17 thoughts on “Change Your Credit, Change Your Identity

  1. Good morning, I have a question. I have four different student loans that total $24,000. Should I take this money out of my 401K to pay it off?

    On Tue, Jul 20, 2021, 10:51 AM Ask Carolyn Warren wrote:

    > askcarolynwarren posted: ” Sunday, my pastor spoke about the blind man, > Bartimaeus, who threw off his cloak and called out to Jesus. In ancient > times, beggars — who were blind or physically impaired and unable to work > for a living — wore an outer garment that identified them ” >

    1. Belinda, that is really a question for a financial advisor who looks at your income, assets, etc. But upon first impression, I would say no, because typically student loans have a very low interest rate; and you are probably making more with your 401K But more importantly, you need your 401K to grow for your retirement someday. Using a 401K as a piggy bank is a big mistake and one people regret later in life. I usually tell people to regard their 401K as sacred and do not touch it.

  2. YES! I would love to hear your story.
    Your books should be draped in Gold as that’s how valuable they are. Your instructions and my diligence raised my score 200 plus points.

    1. That is high praise and I hope I can continue to write up to that standard! Thank you for sharing your 200+ point success with us! Congratulations on your fantastic success!!

  3. Yes, I would love to hear your story. This message you sent today about Blind Bartemaus has really touched my soul. I am reminded to have faith, even if it’s the size of a mustard seed! Thank you for sharing. I am confident my situation will change for the better soon! πŸ™πŸΎπŸ™πŸΎπŸ™πŸΎ

    1. Thank you for this feedback, Lakeisha. I appreciate it very much! Bartimaeus was in a hopeless situation, being blind and without a way to earn a living. But God saw his need and Jesus came to him! Jesus changed his life. Where there is faith, there is always hope. It takes work on our part — Bartimaeus called out and jumped up! He didn’t sit there in silence. There are so many lessons for us in that story.

  4. Got your email today. Yes, I am that loyal customer who sent you the photo of the two books in today’s email. My Credit score is now 778 Fico. I have a 2.25 Fixed rate on a new house valued at $50K more than I paid just one year ago. my secured cards are now credit, Rewards Visa from Navy Federal and Discover (Both fantastic cards with great rewards, total $5,700 available credit. You are the best, Carolyn.

    1. Thank you, David! I didn’t know if it was okay to mention your name on the blog since I had not asked for your permission. Thank you for sharing your fantastic success with us! Congratulations on your improved credit AND your overall financial situation, including increasing your real estate equity and wealth!!! This is what it’s all about. I would love to share your story with more people in the future, if that is okay.

  5. Hi Carolyn!
    I have both of your books!! THANK YOU for sharing your wisdom with the world!!

    I would love to hear your story!

  6. I WOULD LOVE TO HEAR YOU STORY!!! I had already purchased Repair your credit like the pros and just recently purchased Build and Protect Your credit. I want to say thank you for what you wrote because it was encouraging and you just never know whose heart you are being a blessing to. My spouse died 04/2021 and its just me and our elementary age son. I am still grieving and its tough some days. I read your article and feel encouraged to hang in there. I went from 2 income household down to 1 and some days I felt myself losing hope and wanting to give up but I am going to keep on moving and trusting GOD ALMIGHTY TO SEE ME THROUGH. Thank you again.

    1. Katrina, I am so sad to hear of the recent loss of your husband. I cannot know how hard that must be. Please hold on to GOD, because your son needs you more than ever. There is something special about a mother-son relationship!! I will put your name on my prayer list. I will share more of my story in my next post. May GOD be close to you so that you always know He is there.

      1. Yes, I would like to hear your story. Your book has been invaluable to me in helping my son clear up some debts which were paid by insurance as the result of an auto accident at which he was not at fault, but for which the emergency hospital kept billing him and sent to collection. We were able to get the hospital to contact the insurance company and settle the debt. Also to notify the collection agency he was not responsible for the debt.

        Thank you, thank you.

      2. Thank you for sharing your success with the medical collections, Betty. That was certainly unfair to penalize your son’s credit for hospital bills that should have been handled by the insurance company. I am happy to know you were able to get that deleted from his credit report. I will share more of my story on my next blog post. Thank you for your encouragement!

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