{"id":712,"date":"2011-05-05T10:14:37","date_gmt":"2011-05-05T14:14:37","guid":{"rendered":"http:\/\/www.myfinancialfocus.net\/mainsite\/?p=712"},"modified":"2025-08-24T06:39:04","modified_gmt":"2025-08-24T10:39:04","slug":"oh-no-my-credit-score","status":"publish","type":"post","link":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/","title":{"rendered":"Oh No, My Credit Score&#8230;"},"content":{"rendered":"<p>About seven years ago, I reluctantly spent the $14.95 to obtain our credit score.  At the time, with a mortgage still remaining on my list of debt obligations, we found our score to e in the low 800&#8217;s.  Pretty amazing after we had paid off tons of debt in the years prior to that time.  <\/p>\n<p>Since then, I have not paid for a score.  While I have no idea what the score would truly be, my guess is it would be significantly lower than the score in the spring of 2007.  <\/p>\n<p>Everyone today tells you that you MUST have a good, not necessarily GREAT, just a good credit score.  Why?  Because they want to keep you in debt!!  The best way to keep you in debt to for you to have at least a good score.  How do you keep that?  Stay in debt.<\/p>\n<p>Your credit score is no more that a quick assessment on your credit history and current status.  So, you have to be in debt to have that good and even GREAT score. <\/p>\n<p>When you finally realize that you are done with debt, you will begin to notice the credit score has a smaller grip on your life.<\/p>\n<p>For most people, you are concerned about a mortgage.  A potential refinance or new house purchase has you concerned about your score and your ability to borrow for that mortgage.  Have you ever considered a manual underwriting mortgage company?  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>About seven years ago, I reluctantly spent the $14.95 to obtain our credit score. At the time, with a mortgage still remaining on my list of debt obligations, we found our score to e in the low 800&#8217;s. Pretty amazing after we had paid off tons of debt in the years prior to that time. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,4,17],"tags":[],"class_list":["post-712","post","type-post","status-publish","format-standard","hentry","category-banking","category-debt","category-mortgage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Oh No, My Credit Score... - Financial Focus<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Oh No, My Credit Score... - Financial Focus\" \/>\n<meta property=\"og:description\" content=\"About seven years ago, I reluctantly spent the $14.95 to obtain our credit score. At the time, with a mortgage still remaining on my list of debt obligations, we found our score to e in the low 800&#8217;s. Pretty amazing after we had paid off tons of debt in the years prior to that time. [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Financial Focus\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/financialfocus\" \/>\n<meta property=\"article:published_time\" content=\"2011-05-05T14:14:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-24T10:39:04+00:00\" \/>\n<meta name=\"author\" content=\"Parkey Thompson\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Parkey Thompson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/index.php\\\/oh-no-my-credit-score\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/index.php\\\/oh-no-my-credit-score\\\/\"},\"author\":{\"name\":\"Parkey Thompson\",\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#\\\/schema\\\/person\\\/5dc1a9b7d2ae31d9322fcfdace3c93e4\"},\"headline\":\"Oh No, My Credit Score&#8230;\",\"datePublished\":\"2011-05-05T14:14:37+00:00\",\"dateModified\":\"2025-08-24T10:39:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/index.php\\\/oh-no-my-credit-score\\\/\"},\"wordCount\":243,\"publisher\":{\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#organization\"},\"articleSection\":[\"Banking\",\"Debt\",\"Mortgage\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/index.php\\\/oh-no-my-credit-score\\\/\",\"url\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/index.php\\\/oh-no-my-credit-score\\\/\",\"name\":\"Oh No, My Credit Score... - Financial Focus\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#website\"},\"datePublished\":\"2011-05-05T14:14:37+00:00\",\"dateModified\":\"2025-08-24T10:39:04+00:00\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/index.php\\\/oh-no-my-credit-score\\\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#website\",\"url\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/\",\"name\":\"Financial Focus\",\"description\":\"Personal Financial Coaching\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#organization\",\"name\":\"Financial Focus\",\"url\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/wp-content\\\/uploads\\\/2012\\\/10\\\/financial-focus-logo.jpg\",\"contentUrl\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/wp-content\\\/uploads\\\/2012\\\/10\\\/financial-focus-logo.jpg\",\"width\":\"400\",\"height\":\"72\",\"caption\":\"Financial Focus\"},\"image\":{\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"http:\\\/\\\/financialfocus\",\"https:\\\/\\\/x.com\\\/financialfocus1\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/#\\\/schema\\\/person\\\/5dc1a9b7d2ae31d9322fcfdace3c93e4\",\"name\":\"Parkey Thompson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/07cc95deb83f1e12d0c9eaf6bbfea31df95bc8daaf889b877ffb444c3d9311bb?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/07cc95deb83f1e12d0c9eaf6bbfea31df95bc8daaf889b877ffb444c3d9311bb?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/07cc95deb83f1e12d0c9eaf6bbfea31df95bc8daaf889b877ffb444c3d9311bb?s=96&d=mm&r=g\",\"caption\":\"Parkey Thompson\"},\"description\":\"After many years of coaching others in the workplace, Parkey Thompson decided to follow his passions and focus on providing personal financial coaching, strategic planning and direction setting to individuals, families, religious organizations and small businesses by starting Financial Focus. Throughout his personal and professional life, Parkey has experienced first-hand and overcome many of the challenges he now helps others navigate on a daily basis. For over twenty years, Parkey held various leadership positions across multiple companies, including companies such as General Electric and IBM. In 2005, he thoughtfully decided to use his leadership skills to help others significantly improve their own personal finance, career, life, and business financial situations. Parkey is a certified financial coach, compassionately helping his clients navigate through challenging financial and life decisions on a daily basis . He is a Sunday School teacher, volunteer and has served on several boards \\\/ committees. He enjoys passionately motivating and helping families, individuals, businesses, and churches envision and achieve their dreams. In addition to Financial Focus, Parkey is a contributing financial writer to local magazines and newsletters, a former frequent guest on \u201cMornings\u201d with Lorri Allen and Larry Estepa on the FamilyNet TV and radio network, and a radio contributor to Family Life Radio's Intentional Living program. More than anything, Parkey and his family live what he teaches others. Parkey and his family are debt free and live without credit cards and on a plan! Parkey and his wife, Lisa, live in Cumming, Georgia and are newly empty nesters. They three have three children \u2013 Kayla (and husband Micah), Morgan (and husband Ryan) and Micah.\",\"sameAs\":[\"http:\\\/\\\/www.myfinancialfocus.net\\\/\",\"https:\\\/\\\/x.com\\\/financialfocus1\"],\"url\":\"https:\\\/\\\/www.myfinancialfocus.net\\\/mainsite\\\/index.php\\\/author\\\/parkey-thompson\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Oh No, My Credit Score... - Financial Focus","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/","og_locale":"en_US","og_type":"article","og_title":"Oh No, My Credit Score... - Financial Focus","og_description":"About seven years ago, I reluctantly spent the $14.95 to obtain our credit score. At the time, with a mortgage still remaining on my list of debt obligations, we found our score to e in the low 800&#8217;s. Pretty amazing after we had paid off tons of debt in the years prior to that time. [&hellip;]","og_url":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/","og_site_name":"Financial Focus","article_publisher":"http:\/\/financialfocus","article_published_time":"2011-05-05T14:14:37+00:00","article_modified_time":"2025-08-24T10:39:04+00:00","author":"Parkey Thompson","twitter_misc":{"Written by":"Parkey Thompson","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/#article","isPartOf":{"@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/"},"author":{"name":"Parkey Thompson","@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#\/schema\/person\/5dc1a9b7d2ae31d9322fcfdace3c93e4"},"headline":"Oh No, My Credit Score&#8230;","datePublished":"2011-05-05T14:14:37+00:00","dateModified":"2025-08-24T10:39:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/"},"wordCount":243,"publisher":{"@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#organization"},"articleSection":["Banking","Debt","Mortgage"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/","url":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/","name":"Oh No, My Credit Score... - Financial Focus","isPartOf":{"@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#website"},"datePublished":"2011-05-05T14:14:37+00:00","dateModified":"2025-08-24T10:39:04+00:00","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/oh-no-my-credit-score\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#website","url":"https:\/\/www.myfinancialfocus.net\/mainsite\/","name":"Financial Focus","description":"Personal Financial Coaching","publisher":{"@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myfinancialfocus.net\/mainsite\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#organization","name":"Financial Focus","url":"https:\/\/www.myfinancialfocus.net\/mainsite\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#\/schema\/logo\/image\/","url":"https:\/\/www.myfinancialfocus.net\/mainsite\/wp-content\/uploads\/2012\/10\/financial-focus-logo.jpg","contentUrl":"https:\/\/www.myfinancialfocus.net\/mainsite\/wp-content\/uploads\/2012\/10\/financial-focus-logo.jpg","width":"400","height":"72","caption":"Financial Focus"},"image":{"@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/financialfocus","https:\/\/x.com\/financialfocus1"]},{"@type":"Person","@id":"https:\/\/www.myfinancialfocus.net\/mainsite\/#\/schema\/person\/5dc1a9b7d2ae31d9322fcfdace3c93e4","name":"Parkey Thompson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/07cc95deb83f1e12d0c9eaf6bbfea31df95bc8daaf889b877ffb444c3d9311bb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/07cc95deb83f1e12d0c9eaf6bbfea31df95bc8daaf889b877ffb444c3d9311bb?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/07cc95deb83f1e12d0c9eaf6bbfea31df95bc8daaf889b877ffb444c3d9311bb?s=96&d=mm&r=g","caption":"Parkey Thompson"},"description":"After many years of coaching others in the workplace, Parkey Thompson decided to follow his passions and focus on providing personal financial coaching, strategic planning and direction setting to individuals, families, religious organizations and small businesses by starting Financial Focus. Throughout his personal and professional life, Parkey has experienced first-hand and overcome many of the challenges he now helps others navigate on a daily basis. For over twenty years, Parkey held various leadership positions across multiple companies, including companies such as General Electric and IBM. In 2005, he thoughtfully decided to use his leadership skills to help others significantly improve their own personal finance, career, life, and business financial situations. Parkey is a certified financial coach, compassionately helping his clients navigate through challenging financial and life decisions on a daily basis . He is a Sunday School teacher, volunteer and has served on several boards \/ committees. He enjoys passionately motivating and helping families, individuals, businesses, and churches envision and achieve their dreams. In addition to Financial Focus, Parkey is a contributing financial writer to local magazines and newsletters, a former frequent guest on \u201cMornings\u201d with Lorri Allen and Larry Estepa on the FamilyNet TV and radio network, and a radio contributor to Family Life Radio's Intentional Living program. More than anything, Parkey and his family live what he teaches others. Parkey and his family are debt free and live without credit cards and on a plan! Parkey and his wife, Lisa, live in Cumming, Georgia and are newly empty nesters. They three have three children \u2013 Kayla (and husband Micah), Morgan (and husband Ryan) and Micah.","sameAs":["http:\/\/www.myfinancialfocus.net\/","https:\/\/x.com\/financialfocus1"],"url":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/author\/parkey-thompson\/"}]}},"_links":{"self":[{"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/posts\/712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/comments?post=712"}],"version-history":[{"count":2,"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/posts\/712\/revisions"}],"predecessor-version":[{"id":2378,"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/posts\/712\/revisions\/2378"}],"wp:attachment":[{"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/media?parent=712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/categories?post=712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/wp-json\/wp\/v2\/tags?post=712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}