Back in 1995, I tried to be a car sales man. I did ok, but
my desire was to continue my education. I had just studied high school. With time, the Lord gave the opportunity to
go to school and finish my college education. I became a teacher. But that
experience as a car sales man taught me many things. But the most important
thing was that I had to keep my credit score in excellent condition to be able
to get things like a car and a house. So, I did it. I always paid everything on
time and ahead if possible. I knew that anybody who wanted to get a credit to
get a car and had his/her credit in bad condition, better hit the road and not
even ask about the credit. He/she was finished. No good credit score, no
credit.
Time passed. I was doing great. I got one house. Ten years
later, I sold it. I bought another house, and new cars. I had no problem
getting things at a low rate because I had an excellent credit.
One day, my wife’s son, Luis, came to live with us. He came
from El Salvador. My wife was excited and I with her. She started paying his
college education because the kid had potential. Well, that potential he
started using it for the wrong purposes. First, he applied for a credit card.
He never paid it. So we started receiving calls from collectors. I asked my
wife “did you get a new credit card?” “No” she replied surprised. When Luis got
home we asked him and his first reaction was deny it. So I started investigating and found that he
had done it. So we told him and asked him why had he done it? Luis never had a
valid answer. We explained to him that that was a crime here in the U.S. and he
better not do that. So I negotiated with
the credit cards and got him out of his trouble. I lent him 2,000 dollars that
up to today I never saw again. We thought it was a teenager’s mistake. We were
wrong!
Then he got worse. He started stealing from people giving
them false checks. He was telling all of
his friends that his mom was rich and that she would pay. So people started
falling in his trickery. Until one day someone got tired of it and sent him to
jail. My wife was devastated. But we went and bailed him out. We talked to him
and told him not to be doing those kinds of things. So he continued in college.
He did it again. Again he went to jail. I told my wife “We’re not going to bail
him out this time.” He called his uncles and his uncles bailed him out. But my
wife and I stopped paying his tuition so he got out of college. He started
working. My wife, one more time asked me, “Can he live with us?” He had been
living in college. “He does not have any place to go,” She told me. I had my
doubts, but based on my Christian principles and trusting God, I agreed with my
wife and let him in our house.
At work he started doing the same thing with his co-workers
and with other people. One of those people sent him to jail one more time. This
time nobody got him out. He spent three months in jail and a judge gave him
three years of probation. He got out of jail and basically he was homeless. He
seemed shaken up. It seemed he had learned his lesson. My wife, based on her
motherly love, asked me one more time to let him in the house. I, based on my
Christian principles, did it again. But for some reason I still don’t
understand, that man could not stop being a crook.
About a year and a half had passed since the judge had given
him his probation. He was also going to church. All of us thought Luis had
reformed. My wife was happy. Then something terrible happened to my wife. She
had a stroke, and had a brain surgery. She was ok after that. However, while
she was in her most vulnerable stage when you could not get her too excited or
depressed because she could have died, he did it again. This time it was
against me. Luis stole my identification, social security number and other
personal information and applied for three credit cards. He then went to spend
almost twenty thousand dollars. I did not find out until about three months
later. I could not believe he had done that. I was outraged. I started asking
God, “Why me?” But I could not say anything to my wife or send him to jail
because my wife could not receive such devastating news. She could have died. I
talked to him and asked him “Why did you do it?” He answered me with all his
arrogance, “Because I knew you could do nothing, because my mom is ill.” Then I
got even angrier. I was about to call the police when he decided to tell my
wife. My wife begged me not to send him to jail. I agreed only because she was
still recuperating from her brain surgery. I could not do anything. I asked
God, “why do you let this happen to me and tie my hands so I can’t do
anything?” Somehow, I new that God was testing my faith.
Time passed, I eventually trusted God and I said to Luis, “I
give you one year to pay this money.” Of course, he never paid. After a little
more than a year since my wife had had her surgery, I told her. “You see my
credit now is in bad condition. If I need anything, I can’t get it because it
looks that I owe 20,000 dollars and I’m not paying.” So my wife tried to fix
the problem with him. She went to church and asked for help. At church, there
was a lawyer, who tried to help. When he sent the information to the
authorities, they saw Luis had broken his probation. They caught him and sent
him to prison.
I took a car I had
leased for him and continued paying it until the lease was over. But I still
had the problem of the credit cards. I wrote letters of dispute to the credit
cards. Two of the banks removed the information from my credit report. But one
of them, the biggest one, did not. So, I still have that debt in my report.
That is not the miracle, however.
When the lease was over, I needed to get another car. I had
sold my old truck because we needed to pay some debt we had acquired due to my
wife’s stroke. I thought, “There is no way anybody would give me a credit for a
car with my credit score like mine.”
Then, something told me, "Trust God" and I remembered words
from my pastor Joel Osteen, in which he said, “No weapon formed against me will
prevail.” “God will take anything that was meant to harm you and use it in your
favor.” That’s what my faith said. However, in reality I did not see how that
could happen. Then a thought came to my mind: God has done this because he
wants to make sure I know that it is Him and because of Him that I will get the
things and not because of my credit. So, I started trusting God about it.
Then something unexplainable happened. Toyota, which is the
brand I like, starting having some problems. The media started reporting about
their accelerators, and their mats, and other problems. That changed their
reputation. I had always had had Toyotas and had never had problems with them.
They were trying to fix their problems and even had a Congressional hearing
about it. For Toyota Corporation these were devastating news. Their sales
dropped tremendously to the point that they had to start begging customers to
come buy their product.
When I took the leased car back, I went to the dealer and
talked to a salesman. I explained to him my situation. He went to talk to the
director of sales about it. I walked around while I waited in the dealership.
Then, suddenly I heard, “I know you, I remember you!” It was the director of sales. He had been a
co-worker back in 1995 when I worked as a salesman. Then, he said, “Give this
man whatever he wants. Do not worry about his credit. We will make an
exception.” I could not believe it! That day, I left that dealership with a
brand new car. They had given me their top offer, which was 60 months at zero percent interest. On top of that I
was given two years of free maintenance for being a loyal customer. With the
best of my credit scores, the lowest interest rate I had been able to get was
4.5 percent. But this time it was not my credit. It was God’s credit. With His help, this time I was able to get
much more than I had ever been able to get with my own means. My credit said,
“Don’t even trust this man.” God was telling me “They will trust you because I
am with you.”
God had shaken a global company to its knees for my benefit!
He had promoted a man who had been a co-worker back in 1995. He had made the
man recognized me. God let someone ruin my credit, which I had built with a lot
of effort. All to demonstrate me that his deals are way better than any other
deal I could have ever made. He also did it to show me that He remembers me and
how important I am for Him. He did it all to demonstrate me that if we trust Him
and try our best to follow His command, He takes care of us. I never turned in
Luis to go to prison, based on the command that Christ has given us that we
should forgive as many times as we are offended. I followed this command and
God helped me in the moment I needed him the most. Nobody would have given me
anything based on my credit score. The logic said NO. God said YES! Praise the
Lord!
You can also have these privileges with God. He wants to
helps us. Just receive Him in your heart.