I have long believed that a credit score is a poor determination of your financial health. Here’s why: you can have a very high credit score and be on the path to bankruptcy. You can have a very high credit score and be totally out of line with God’s principles for how you manage money. You can have a very high credit score and have the totally wrong motives. 

More important than your credit score is how you align your financial decisions with God’s Word. We have developed an assessment tool called the MoneyLife Indicator that gives you a comprehensive look 
If you had to name the top three areas where you need to align your finances with the Bible, what areas would you pick? at how your beliefs and behaviors align with the nine key areas of managing money according to God’s financial principles. We look at managing, saving, giving, planning, spending, legacy, true riches, debt, and investing.

Larry Burkett, Crown’s late founder, used to say, “The way one uses money is the outward reflection of a person’s inward spiritual condition.”

This profound truth helped us recognize that your past behavior is not the main indicator of a person’s financial health. The most important factor is what is happening in the individual's heart, yet it is no easy matter to determine the condition of someone's heart. It is a combination of what the person believes and how those beliefs affect his or her behavior. 

The assessment asks two key questions. First, "What do I believe about faithful stewardship?"  Second, "To what extent have I adapted my behavior to align with my beliefs?"

It is very hard to change if you don't understand the root issues that lead to certain actions. Once you identify incorrect beliefs, you can take steps to change your behavior for the long term. Take the free assessment today at Crown.org