Let’s imagine you have come to borrow some money from your bank.
Maybe you are trying to build/buy a house, start your own company, take advantage of an opportunity to expand your business, whatever the goal. When you meet with the bank loan officer, having filled all necessary forms, after all the pleasantries, she drops her head on the papers before her and what is she checking? Your credit history! She checks your credit to know if they can trust or believe you when you say you will pay back.
At this point, your words don’t count, your fine face don’t matter, your sugarcoated-smooth-talker personae won’t wash. it’s your credit she’s staring at, it’s your credit that’s speaking to her.
And guess what, she’s not looking at the credit of the past seven days or one month, she’s checking your history, your records, your pattern through the years.
If your credit is not convincing, she looks up at you, poker-faced, her voice void of any emotion and delivers the heart-breaking news – Sir, we are sorry, we would not be able to grant you the loan you’re applying for. And that is the verdict. At that point, it’s possibly too late to promise how you will do better and be more consistent.
You simply get up, possibly upset and disappointed and walk away.
It’s a similar thing that happens in relationships when you ask for trust from your partner or significant other. Why are you upset when they ask for time to go through ‘the records’ to see your patterns?
Why are you angry because they check your ‘credit history’ before deciding to commit to you?
Why tag them unspiritual if they choose to trust your patterns more than your sweet promissory notes?
And why look at them like that when they say they are unable to ‘loan’ their life to you and give you that which you request for in that relationship?
Hey, it’s probably God Who won’t consult your past before blessing you. For love relationship, that person isn’t God, sorry, all they see is your ‘credit history,’ and it’s a pity they ‘can’t grant you this loan.’ They can’t sign the papers.
Can you fix the pattern first? Can you chill and make some cool ‘credit’ moves? Definitely not the type Nigerians make when they transfer some huge amount into their account just so they are granted a visa. We are talking about consistent deposits, credible transactions, sustainable business deals that would pan over a period of time – A credible Pattern. I mean, can you make effort and create some new credit history?
You know, that the loan bank officer said No the first time doesn’t mean it’s forever, you know. When you probably come again, and they see different, it’s not impossible she might smile an easy Yes. But in the meantime, please do something about your ‘credit history.’