How's Your Credit?

Real Estate Agent with Irongate Realtors


"A man's reputation is the opinion people have of him; his character is what he really is."

- Jack Miner, conservationist (1865-1944)


Ever hear someone say, "I have good credit"? They are probably referring to their credit "rating" - a score bestowed upon them by creditors, banks or rating agencies. Simply stating, "I have good credit" changes nothing, nor does the statement merit the attention of creditors. Credit can only be given by others for service to them, i.e. paying them on time.

So, credit is the result of serving others - in many ways. You cannot claim education, victory, experience, success, reputation, or a suave demeanor. Each of these is a gift from others, as a result of your service to them. Friends recognize your courage as a result of your being cool under pressure. Your success is recognized by others only once you have served them well. Knowledge of your career field is recognized by others only after it's been applied to situations in the form of more service.

In the accounting world of income and expense, a debit is something paid out, while a credit is something received. Thus all credits are received from others - not by our own making. The debits - what we pay out - are our efforts, persistence, and service. How they are rated is not under our control, but is determined by those served.

Without service, there are few rewards. Yet, you've seen those who insist on getting more attention than they deserve. They feel they're being short-changed, that they are not appreciated, that they are always the victim. If you look more closely at their contributions, you are also likely to see the dearth of service they are offering.

With service, credit follows. It may be subtle or quite visible - but it always follows. Concentrate on what you have to offer and forget the rewards. Those who are served will pick up the tab!

Julie Beall

Comments (2)

Jim Startzman
Long and Foster Real Estate - Wilmington, DE

Good article.  Credit is a very important thing and comes in many forms.

Feb 01, 2010 08:06 AM
Graig Ponthier
Homes & Land of Greater San Antonio - San Antonio, TX

Interesting take on credit. Even if it were just about the score, you need more than just good credit scores these days.

Feb 01, 2010 10:00 AM

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