Good Morning Everyone! I had a weekend for the AGES! It started out Friday with the amazing opportunity I had to see Soledad O'Brian come and speak at Ivy Tech Community College here in Indianapolis and it was an amazing speech! Delta Sigma Theta was out in FULL FORCE to support their Soror and it was an honor to hear her talk about life now after her CNN Morning Show & what we can do as a community to keep us all growing in positive directions as Minorities. Totally Wonderful Experience! Saturday I was at the Basketball games reffing and coaching the kids at the YMCA for the last games of the season. I love working with the Kids so much and can't wait for the next season to start! After that I had the opportunity to announce Basketball Games at the 1st Annual Ivy Tech Basketball Invitational. Screaming a players name for 3 and getting the fans hype about the games was EPIC! What an amazing time I had with both opportunities and I just thank God for all the amazing things He is allowing me to do!
The one thing as all people we have to be careful with is our Credit & Finances as we get older. At times, we try to be nice and help folks out. Our family, friends, even people who we are dating or married too. But sometimes, these people know exactly what they are doing when they ask us to co-sign or open up an account for them dealing with our credit. They know that their credit is jacked up and they feel that if they use someone else's credit to get something, they will HAVE to keep up with the payments better because these are people they love and they wouldn't screw over people that they love WOULD THEY? WRONG! People know when you open up them a cell phone account, help them get their power cut on, even help them with a new car, that if they can't pay it, it's no big deal to THEM, it hits YOUR CREDIT & RUINS YOUR LIFE! So, when you are ready to do something financially: buy a home, get a car, open up another line of credit, YOU CAN'T DO IT! We need to STOP screwing up each other financially and be better in saying we are going to do what we say we're going to do when it comes to our financial situations.
It's pretty much this simple: If someone with Bad Credit ask you to do something for them on your Credit for them, the answer needs to always be NO! If they can't take care of their STUFF, know that they are not going to give a care at all about YOUR STUFF! We are even in the day in age where husbands or wives throw stuff on their own spouse's credit & leave them! Stuck with car, school, home payments from a person you thought you could trust. Even parents are taking their own kids social security numbers and opening up phone lines, getting electric and water bills cut on, and it's just messing up these kid's credit lives before they even realize that they have one! It's heart breaking to be ready to do some things using your own Credit as a young adult and you have a phone bill on your credit from 20 years ago! PARENTS...DON'T DO THAT!
We need to take more steps to take care of our Credit & Finances. We need to take care of those things like they are our Babies and even our own Bodies. We don't let ANYONE play with or mess with our Bodies or Children! Those things are very personal and that's how we should take our Credit & Finances. It's hard to trust people these days, especially after the Financial Crisis of 2008. Always ask the questions when Dating! You can Check out my Huff Post Live Segment on "Credit Score Dating" to the right! I don't play when it comes to CREDIT! When you are dating, those questions need to be asked because you should be dating to see if you two can come together one day in marriage. Credit Scores & what is on a person's credit report is HUGE! It shouldn't be one person carrying the other person the whole relationship or a person trying to jump on someone else just because they have good credit and possibly could help save their bad credit. We need to be taking steps to keep our credit good or take steps to get it to where it needs to be!
BAD CREDIT IS NOT MARRIAGE MATERIAL! We get so caught up in all the things we can see Sexually & Physically, that we forget about hidden things like Credit that if we're not careful, could get with a Fine person with an Ugly Credit score. No, not everyone's is going to be 700+, but steps should be made to get there like on time payment and taking tax money to clean debts off of credit reports. It's not time to go get a new car or new clothes! And it may be Uncle Junior or Cousin Kesha, but if they just can not get it for themselves, SORRY, I CAN'T HELP YOU FAM! JUST BE HONEST! IF IT'S THERE, HANDLE IT! Know that your Credit Score determines a lot of your future and you want to make sure that your future is big and bright! READ...SHARE...LOVE! - PROFESSOR JT