If my life was a credit report and I was trying to obtain salvation, based on my score I wouldn't get it.

My history shows that I've been delinquent in praise, past due in prayer, my worship has been in collections and I've missed a few payments (tithes) or only paid half (you know how we put $20 in the basket and feel like we've done God a favor).

Not to mention that my debt (sin) to income (blessings) ratio is too high.

BUT I thank God that I was able to file bankruptcy (repentance) and it cleared me of all of my debt (sin). Now I have a co-signer (Jesus) whose score is FLAWLESS... Not one blemish (sin) on his report.

So now.... I QUALIFY for EVERYTHING! Most importantly I've inherited eternal life and I didn't have to put one penny down.

All of my closing costs were covered when Jesus laid down His life for me!!!! I hear that my future home has all of the upgrades too.

Hardwood floors? Please!! I'll be walking on gold! : - )

Thank You Lord for Your unmerited mercy, grace & favor!!