It's all a numbers game

Instead of "credit scores" that revolve - let's face it - around money, why don't we rate each other with "credibility scores" What would your number be????

Wouldn't it be great if we truly recognized and placed someones "moral fiber" under the microscope to determine their "worthiness". Credit scores, yes they have some merit (althought we lived find without them for how many years?) are nothing more than another number we're known by. It keeps us all in check. When we're good our number goes up, when we mess up, it goes down. Pretty simple. Pretty powerful too. Three little numbers have the ability to make or break you.

In some instances I'm sure that precious number is a fairly accurate rating. In fact, based on a "here and now" analysis I'd say it probably hits the nail on the head. But man, you bet your bippy you've got to keep your ass in line to move that number back up inch by inch. Payment by payment.

Some people definitately deserve a low score. They try to milk the system every way they can. Purposely maxing credit cards, dodging payments...because they've never had any intention of paying anyone back. No guilt, no remorse...they just get what they want. Take that same person and place them in a business world. You know the type. We've all seen and worked with, and in many cases, worked for him. He'll do anything to move ahead of others. He doesn't care who gets stepped on along the way. He has no time to be personal. Next to never makes eye contact with anyone. He can't even extend a true handshake - unless he thinks the receiving hand has something he can use. He's arrogant and watches out for himself first and foremost. His outward appearance projects confidence. He seems to have it all together. His credit score is impeccable...but morally, he's a dirtbag. Wouldn't you like to know his "credibility score" before you venture into a business deal with him? I'd much rather work with someone who's a 790 than a 250. Flip the situation around. You have a person who's fallen on some hard times. They made financial mistakes. They never in a million years saw themselves in a financial pickle. They admit to their mistakes and make a constant, conserted effort to improve. They have to live with a low credit score for quite some time before they "earn back" a higher rating. Their life is paralyzed. But their credibility rating would never have dropped as low or as fast as their credit score simply because of a few mistakes...because history had shown a consistent 850 credibility rating for this person, time and time again.

Am I nuts? I don't even know why this whole "credibility score" concept popped into my head a couple days ago. But it did. And when things like this are shown to me, I like to express them. Perhaps I'm "too deep" for some. That's okay. You can't be all thing to all people. And, for the record, my credit score is very admirable. No problems there, so I'm not writing because I'm some bitter person being held down by "the man" (lol). I just feel that if we adjusted our way of looking at each other, we would remove the amount of money we have, or don't have. It wouldn't be about how many vacations we take or how big our house is. At the end of the road, none of that matters. Nor, do all the numbers that have been such a forced part of our lives. In the end, your credit score goes away. Your social security # gets put in an "inactive file", your phone number goes to someone else. Even your license plate number gets recycled and made into a new number for someone else. But your credibility number? That's the one that sticks...forever.

Your mission for the day. Take a good look at your self, and as of today, what credibility score do you give yourself? 100-900. What score would you give the people in your life?

With confidence, I give myself 820

Life. It's all a numbers game. ENJOY the day. Make it "add up" to something great