I teach a section on home mortgages, credit card interest, and personal loans at the college here in town. It is a real eye-opener to some students who never stop to think how expensive it can be to borrow money. And although the cost of borrowing money is based on various conditions, one's credit rating is perhaps the most important. It is simple: The better your credit rating, the cheaper the loan. When one has less-than-perfect credit, it can begin an endless cycle of high debt. Sometimes a person's credit can be so bad that they are not even able to get a loan at all, no matter how badly they may need one. Let's face it, we all have to borrow money sometimes. But we also have to be very careful and responsible with that loan, or it can lead to big problems down the line.
Aren't you glad that Jesus doesn't look at our past in order to predict our future? Being saved by Christ has nothing to do with how much sin is in our past. Jesus promises to save the very worse of the worst. There is absolutely nothing you have ever done in your past, nor future, that will keep God from saving you. We all come to Him in the same shape: pitiful, pathetic, and infested with sin. But He is so merciful and Gracious that He will wipe our past history completely clean. All we have to do is ask Him. The Bible is full of passages that promise us that He is willing to save you and even me. Jesus is loaning "everlasting money", no matter what our credit rating. Praise God!