Conservative Black Woman: Credit Worthiness Is Not Directly Proportional to Character

Tuesday, November 25, 2008

Credit Worthiness Is Not Directly Proportional to Character

I write this following a rather heated conversation I had this morning regarding credit scores. I once attended a course on Marriage at a local church and the pastor\teacher of this course maintained that one should consider the credit score of their intended and if said intended does not have "good" credit that you should not marry them.I thought this was a crock of simmering kaka because credit can be rebuilt but a person who is willfully beligerent, vindicative, mean hateful or any other horrible human affliction of the mind or spirit is far worse than a tarnished credit record. My friend then rattled off a litany of statistical data to support that financial issues is the reason that marriages fail. Well, I submit that if a couple can't weather a financial rough spot or season then money is not the "real" issue. The real issue would then be honesty, integrity or trust (someone lied about spending or stashing cash or perhaps one partner doesn't trust the decisions the other makes)I had to remind my dear friend that we unfortunately know a few unseemly woman (and men) who will do whatever they need to do to pay the electric bill or car note on time lest they ruin their hard earned credit rating. So, these types of women or men I'd venture to say are on no higher moral, ethical or socially responsible ground then the individual who takes the credit ding but holds on to their virtue. Also, all credit problems do not stem from living above and beyond one's means sometime you just don't have the money on the day the bill is due because life happens.

4 comments:

Vintage Mother said...: Hi CBW, good post. I agree with you on this. I do think, however, that it might prove prudent to at least know what kind of debt/bad credit issues the person you are marrying has and to understand the implications if you decide to marry the person. So, in my opinion, it's not necessarily as important whether the credit score is good or bad, but what items are contained on it. - Meredith; November 25, 2008 at 1:50 PM
Conservative Black Woman said...: Meredith!!!! Where have you been Mamacita? I've missed your comments.

I believe in absolute full disclosure on all things finacial before marriage but I think that a persons character should trump their credit score.; November 25, 2008 at 2:08 PM
Smile said...: I agree, CBW. Yet, I'd guess that the 'speaker' was saying something akin to what you are. IOW, marry in haste and repent in leisure'.; November 26, 2008 at 9:25 AM
Vintage Mother said...: CBW: I've been reading your posts daily still-you know this is my computer homepage-but my business has been keeping me preoccuppied. I also couldn't figure out how to leave a comment since now you have to use your blog login to sign in. But I've been on here, watching and reading and sharing the information with my children. Keep up the good work CBW!; November 26, 2008 at 9:32 AM

About

Don't let the title of this blog deceive you. Yes, I'm a Conservative Black Woman -- Not to be confused with Republican Black Woman. At this point I am in fact a Political Atheist. I believe with every fiber of my being that America is no longer a Constitutional Republic but rather a Corporate Fascist Oligarchy. Our Presidents are just the puppets, tools, spokespersons for the Powers that Be...Council of Foreign Relations and various other NGO's who are beholden to the International Banking Cabal. No, I'm not a Conspiracy Theorist -- I am a Conspiracy Researcher and I'd advise you to do the same. Who said "I would not have you ignorant?" Yes, that's my "handler" for all of those who think I have one. Over the course of writing this blog. My paradigm has shifted ENTIRELY. Yes, the paragraph below still applies but the Left\Right, Democrat\Republican head fake no longer applies to me. I WOKE UP!!!!

"I am fed up with what has happening within the black community. Too many of our families are broken, too many of us are morally degenerate and too many of us are willing to blame all of our pathology on slavery, George Bush, the Republican party or anything but our failures as Parents, Husbands, Wives and Christians."

My Favorite Quotations.....

Truth is scarcely found. But integrity and truth are hardly found within the Black population as a whole at least not where it involves black people. Most blacks have pledged allegiance to their blackness, not truth, not to America, not even to God as many profess. Integrity and truth has to go out the window if it somehow poses a threat to the "positive" image of blackness. ~Anonymous

Regarding Obama's hit on Gadhafi's family: "He's spineless and shameless, except when his masters unleash him on people of color. Then he becomes a pit bull--a real life Sambo/Quimbo doing the dirty work of Simon Legree. TPTB knew exactly what they were doing when they "selected" Obama to manage their psychopathocracy." ~ Makheru Bradley

"Whenever I hear cats start talking that "community" shit I know they are not serious. No one is accountable in conversations about "da community". That "we as a people"... Plantation Negro segmentation nonsense is Kool-Aid left over from the 70's. It perpetuates the illusion that there is even such a thing as a "black community". There aint no "community" and hasn't been in 40 years. Most Negros don't even know their neighbors."The only effective group is FAMILY. Families are the cells of a society. Destruction of the cell is cancer. An effective institution, expectation and habit of marriage is the antidote." ~Denmark Vesey(A Bloggin' Beast!!!!)

The irony of having an economic system that you hate be the source of your entitlement that is in excess of your productive capacity. -- Constructive Feedback (Blogger Extraordinaire)

Most people can't think, most of the remainder won't think, the small fraction who do think mostly can't do it very well. The extremely tiny fraction who think regularly, accurately, creatively, and without self-delusion – in the long run, these are the only people who count. -Robert A. Heinlein

Illumination of the above Frederick Douglass quote by blogger extraordinaire Constructive Feedback

With all due respect to this great I am not sure that he could have imagined the day where:

"Non-justice" is delivered by the hands of favorable officials with racial diversity that realize "Black on Black violence" is not seen as "violent" as other modalities
Where allowing "ignorance to prevail" is a favorable strategy for the retention of power by those who position themselves as saviors
Where "conspiracy theories" are effective tools to allow people to remain unified against an external threat - even when it has moved away and they are all by themselves - otherwise having to manage the human resources before them toward a more conscious end.

In this environment - Robbery, the oppression of intimidation, and degradation put in the form of a music genre lead to an inevitable condition of insecurity for persons and property.