I hate good intensions

In Scarface Tony Montana said, “All I have in this world is my balls and my word and I don’t break them for no one.” Gangster or not you need to have this same conviction. When you lose the power behind your name you lose your life. If you cannot be trusted you can only go so far. Having good credit means I will keep my word to you even if it becomes difficult. Good credit means I know what I am asking you for and I am willing to sacrifice to get it back to you.

In the rap song “Where I’m From” Jay-Z said, “your word was everything.” “So everything you said you’d do, you did it”. And it really is just that simple. If you give your word you follow through. This is true on the streets, in the boardroom, in business, in life and in relationships. Nobody wants to hear your excuses about why you reneged. And nobody is going to want to do business with you, work with you or get involved with you again. Word get’s around and when your reputation is tarnished it is hard to fix.

Your credit report is a reflection of how you treat people. It is my belief, that how you do anything is how you do everything. If you do not pay your bills on time it is likely that you will not do other things on time. If you do not pay your bills at all it is likely that you will forfeit in other places as well. If you are known for paying on time or in full it is expected that you will follow through, be early, proactive and thorough. These are the types of people banks, lenders and companies want to do business with. These are also the kind of people that make good lifelong friends and partners.

In one of my poems I wrote, F*ck good intensions, you always want to mention that. But who the hell cares, when you’re not there when you said you would be. Keep your intensions away from me. I need some integrity.

I learned the hard way that THEY say things you want to here when THEY are trying to get what THEY want from you. THEY are the losers, the cheaters and the takers. THEY have no intensions on following through and THEY are willing to lose their name for it. When you become a person of ill repute you limit your chances of ever really becoming successful. In the event you do become successful it will be short and you will fall. Bad credit and a bad name will eventually catch up to you and when it does it will bring you down where you belong.

The world is made up of predators and preys. At any given time you are either one or the other. It is important that you know your role and while you are playing it safe guard yourself from being taken advantage of but control yourself from taking advantage of others.

When it relates to your FICO score, payment history is 35% of your score and utilization is another 30%. Those two elements alone make up more than have of your score. The same is true for your life. If you keep your word at all times and not over utilize the people around you, your reputation will always be good. There is no respect or reward for a person whose word is not important to them.  If you do those two things you are more than half way to becoming a successful person. Add in the rest of your life experiences and you are there. A good reputation can take you very far.

Having good credit…Now That’s Presidential!


About Kiné Corder

Kine' Corder is a best selling author, speaker, and member of the Financial Therapy Association. Formerly a Morgan Stanley Financial Advisor and currently a Financial Therapist Kiné runs Presidential Lifestyle, a financial wellness company focused on wealth in all of it's forms. www.presidentiallifestyle.com View all posts by Kiné Corder

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