The “Other” Credit Report


Money makes the world go ’round — we’ve all heard the saying. The starry-eyed will argue that it’s love and the “more important things in life,” but there’s no denying that money definitely helps the old ball stay rolling on its axis. With that said, it’s undeniable that the matter of money can make or break a person’s life and dreams of bigger things. Most people can give away their financial statuses by walking out the door in the morning: the labels on their clothes, brands of their cars, the titles in front or behind their names. But is that all there’s to it? Is it a show or is it real? What about in the years past – during those uncertain times in between jobs? What are you hiding from the world that a simple credit check could unravel in a couple of clicks by the loan officer?

Credit reports are like a secret log of all your financial decisions: good, bad and ugly. And unfortunately, it’s a cut and dry business: you screw up and it’s branded on you like a hideous tattoo that you can cover up for only so long. There are ways to improve your score – make amends, you could say. But until you do, it can live like hissing snake ready to strike whenever you least expect it. Luckily, credit reports only reflect your financial faux pas and/or your smart decisions regarding money.

Or do they?

Hm. While they may not go by the same name, there are definitely “other” credit reports that follow us throughout life, and to our detriment – these are 10 times more subjective and breed in gray areas because they come straight from the victims’ mouths – if you want to call them that. The truth is, people rarely make decisions or enter into relationships without checking out someone’s “credit”. And isn’t the sad truth that past mistakes and poor judgment do tend to bite us in the rear ends? Many preach ye olde saying, “Forgive and forget,” but is it really that simple? When infidelity, physical/verbal abuse, perhaps a couple of run-ins with the law even are etched all over you and in the minds of others — does forgiveness really allow people to forget?

We all make mistakes — some bigger than others, but it’s a crime often committed. Even if you’ve made attempts to “improve your credit score” by changing your ways, will it help to bring you less shame? Nobody can change the past, but history never goes away and it’s dangerously simple to unearth. Whether we like it or not, people definitely have a tendency to hold someone’s past against them as soon as another mistake is made. We argue, “Well, I’m not surprised. Don’t you remember when he/she did XYZ?” (Like this example couldn’t have come at a more opportune time: Kim Kardashian and her lieu of oopsie-daisy errors…) It’s not really fair, but it does make an argument more valid, does it not?

Tell me, has your life’s “other” credit score come to bring you pain and shame even after you’ve made your amends and tried to improve the ratings? Or on the flip side, does someone’s ugly or even spotless history influence your judgment on them today?

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