What the Bible Says About Your Credit ScoreSample

Day 1: The System That Keeps You Bound

Have you ever considered that the financial metrics we chase might be designed to keep us trapped rather than free us? Your credit score is not actually a measure of financial health—it's a measure of how profitable you are to lenders.

The system rewards behaviors that keep you in debt: keeping credit lines open, making minimum payments, and borrowing regularly.

Meanwhile, it penalizes financial wisdom: paying everything off, living below your means, and avoiding debt completely.

I once heard a multi-millionaire who had zero debt say that he had enough cash to purchase an entire apartment building but had a credit score so "poor" he couldn't qualify to rent one of the units.

That's how backward the system has become.

The world has taught us that a good score equals financial success. But God's Word paints a completely different picture. In Proverbs, we're warned that debt creates a master-slave relationship. In Romans, we're instructed not to conform to the world's patterns—including its financial systems.

What patterns of this world have you accepted as normal in your financial life? Have you been measuring success by a score rather than by Biblical stewardship principles?

Today, ask God to renew your mind about money. Begin to see credit not as a tool for advancement but as a potential chain that binds. The first step toward freedom is recognizing the system for what it truly is.

Let's pray: Father, open my eyes to see where I've been conforming to the world's financial systems rather than Your principles. Help me recognize any chains of debt or credit-score thinking that are holding me back from true financial freedom. Renew my mind today about what true financial success looks like in Your Kingdom.

In Jesus' name, Amen.