How Credit Scores Work

There was a time when your credit score wasn’t rated by a numerical value, your “credit” worthiness was determined by a variety of human-based interactions. A quick look into pre-FICO score ratings would reveal a world unknown to our digital report age. There once was a time when “Welcome Wagon representatives” and “mutual protection agencies” collected and sold information about your business dealings for banks and other creditors. As America grew, so did the need for precision in credit scores; this grown-up version of a permanent record now follows the responsibility of consumers in their financial commitments. It is a beautiful private system that rewards good behavior and makes us better borrowers–it tells the truth about how we behave in society.

The business world expanded its review of credit worthiness to address actual issues. The issues they were facing had been in the making for decades, mainly the growth of communities and a greater latitude in societal compositions. The early American practice of running a tab at your local general store was based on the individual’s reputation in the community. As the community grew, this became impractical: how can one general store track and lend credit to a major metropolitan area? The 20th century was also marked by tremendous advances in travel. Cars, planes, and bullet trains made it possible for families to lives cities apart, for men to pick and start a new career more than once in their lifetime. There are obvious credit-worthiness issues here: how does the creditor in the new town(s) know if someone is trustworthy if they have no reputation or history that is available? How does one handle multiple lending institutions?

Churches and Credit Worthiness

The church today has some of the same issues in dealing with church discipline. We have a precious commodity extended to those who are in good standing with the Body of Christ. The church unites those baptized into the name of the Father, Son, and Holy Spirit into a covenant contract for the blessings and benefits of the kingdom. We offer the very blood and true body of Christ to those who are worthy to receive it, feeding and nourishing their mind, body, and soul. How are these precious sacraments to be protected from wolves and the sacred table fenced from those who may take it unworthily?

The Christian church throughout the entirety of its history has used church discipline to regulate the credit worthiness of its members, but for same reasons the business world needed to expand its rating system, the church must address the needed changes in managing its membership. Imagine for a moment that a consumer were to default on his mortgage; the creditor could rightly hold the individual to his contract in repossessing property, imposing penalties, and even initiating civil litigation. Now imagine if this defaulted borrower’s next step was to go to the bank down the street and apply for another loan? How foolish would this second creditor be to not investigate the applicant’s history, or as in is the common case in the modern church, to ignore the warnings of past creditors?

A Pound of Flesh?

In an America with thousands of denominations, this becomes more difficult as we discover many have completely ignored the biblical command for formal discipline and excommunication (1 Cor. 5:5). God’s use of discipline is an act of grace and mercy to those who refuse to hear the elders’ call to repentance. Impenitence, not any individual sin, is the only outstanding debt that the church has the authority to collect on. Repossession of a member’s place at the Lord’s table is “for the destruction of the flesh, that his spirit may be saved,” says St. Paul. When churches act biblically in their protection of the Lord’s table they are showing a loving-kindness, grace, and mercy to those who are caught in grievous sins. When churches ignore the Apostolic order to not recognize those who have placed themselves outside the congregation, they hurt that individual the most. Just a verse later, St. Paul goes on to explain why we need to separate the covenant keepers from the covenant breakers, “Do you not know that a little leaven leavens the whole lump? Therefore purge out the old leaven” (vv. 6-7)

Obviously, the first step is to reinforce the biblical commission to practice the grace of church discipline. There will always be some confusion when tackling the issue of church discipline, and attacking churches that are weak on this issue will not fix everything. We have to acknowledge that excommunication is difficult even in churches that hold it consistently. The reality of sin doesn’t prohibit our actions to kill sin, but rather it should encourage our devotion to prayer, to Christian conduct, and to utter and complete dependence on our triune God.

The Role of Shepherds

Our duly ordained ministers and elders are called to be shepherds of Jesus’s flock. John MacArthur’s Shepherd’s Conference is iconified by a pastor’s staff in its logo. I think this imagery is wonderful in so many ways. The pastoral staff is used to delicately wrangle sheep, and it ensures that particular ewes (mother sheep) and lambs don’t lose each other in large flocks. I’ve been told in a number of sermon illustrations that in some cases the human handling of a lamb can cause the mother to refuse to feed it.

This is why we can’t simply use our own human means, or our own human hands, to tend the flock, but must trust in God’s staff in the hands of his anointed shepherds. Too often we try to insert ourselves into disputes, and this subverts the authority of the church leadership, it shows a lack of faith in God’s biblical prescribed pastoral structure. Using human means of reconciliation is rebellion against the Holy Spirit. We need to work on trusting God more. Praying more, gossiping less. More divine intercession, less human meddling.

The second use of the shepherd’s staff is using the end to butt a sheep in the side. As sheep are moved about, they tend to wander off, and the rod is used to keep them in line. I imagine that very few sheep enjoy being poked or jabbed by the shepherd’s staff, but it’s done frequently to keep the flock moving in the right direction, for its safety. The minister does this from time to time in his sermons. Have you been offended by the minister’s righteous jabbing in his preaching? Perhaps that was his staff causing discomfort against an unruly sheep’s ribs? Or has a member forsaken the assembly by placing other pleasures over the Lord’s Day worship service? We should be thankful when the pastor pulls us aside and uses the staff to nudge us back to regular fellowship and communion with believers. Our shepherds use this gentle guidance to keep us from the jaws of wolves or an angry God’s rod of judgment.

The Hooky Hook for Hucksters

The shepherd’s staff is also used to hook a sheep for inspection. A disease in one sheep can quickly spread to a flock of thousands. This means that shepherds are constantly checking up on their flocks. A shepherd who merely puts out food and water will see his flock diminishing. This sort of animal husbandry requires the shepherd’s attention for missing sheep, for sick ones, and for the dangers in the pasture. As he practices church husbandry, the minister is to care for the Bride of Christ in much of the same way. At Church of the King, we expect regular visitations from our elders. This is a time when the elders meet with individual families in private to hear any concerns that a family may have with the church or with their own spiritual life. I know my wife and I look forward to having our elders visit us. It gives us a chance to express any questions we have with them or others in our flock.

At a recent visitation, I expressed our difficulty with the cost of some of the meals we were assigned to bring for our church’s fellowship meals. This is a conversation that would be difficult and even inappropriate to corner an elder with at church, but talking out little problems regularly like this helps develop a healthy relationship between the members and elders. Having the elders over also helps give them a glimpse into our home life. Is Steve Macias giving his wife the respect and honor she deserves? It can be hard to tell during the few hours we meet together throughout the week, but one-on-one with the elders can help them be more prepared if issues do arise. It also gives the elders a time to get a snapshot on how the family is doing in daily life.

My elders ask about our finances. There are no spreadsheets or 1040 forms, but they need to be involved if a family is in need of diaconal assistance. Is this man in need of pastoral guidance in his vocation or even in seeking employment? Are they practicing good Christian stewardship? This is not to place the church at the head of a man’s finances, but rather to recognize that the church is here to serve all of the man. What good is the good news of Jesus, if the families in your church are starving or being abused? The elders ask about marriage. They did this before we were married and check in often to keep in front of marital hardships that will inevitably come to some degree in all unions between sinners. The elders ask about our devotion. Are we growing in the Lord? Is the husband leading the family in home worship and devotion? They can then help shepherd out issues that need to be addressed.

The Problem of Camp Followers

Last March, Rev. R.C. Sproul Jr tweeted, “Those who refuse to join a local church are not soldiers in the Lord’s army, but camp followers.” Developing a proper view of church discipline requires us to take our vows and commitments to the body of Christ seriously. Too many Christians are in open rebellion to their husband Jesus by refusing to subject themselves to a local body in the Bride of Christ. Their resistance to shepherding is, as we’ve seen above, to their own disservice. The Bible explicitly commands believers to submit to a local church’s elders (Heb. 13:17). The Scriptures warrant no such title as “member-at-large” or “long-term visitor,” and these camp followers are refusing to either serve the local body or submit to elders, or both. Camp followers who find themselves connected to weekly bible studies, church events, worship services, and even leadership roles are required to covenant their membership with that local church.

Refusing to submit to a church that you are regularly communing at, fellowshipping with, and benefiting from is a sin. This is a sin that good shepherds will recognize and deal with in accordance with the Gospel. (Matt. 18:15-20) A pastor should explain to the camp followers that they are expected to submit to the Bible’s standard of church membership and privately shepherd them into their calling for the body of Christ.

Camp followers who refuse to submit to the elders should be removed from the Lord’s table for impenitence. The bar for receiving communion is set at the child-like faith of baptism. As First Corinthians 12:13 says, “For by one Spirit we were all baptized into one body—whether Jews or Greeks, whether slaves or free—and have all been made to drink into one Spirit.” By our baptism we are made to drink in unity, but the camp follower who refuses to submit to the elders will, as St. Paul declares, “eat and drink judgment on themselves. (1 Cor. 11:29). To protect these straying sheep, the shepherd removes them from communion and toward the hope of repentance in excommunication. Camp following should be called out for the sin it is: church harlotry. The bride of Christ deserves our full allegiance, not just a series of one night stands.

More From The Merchant of Venice

In the famous play, Shakespeare’s Shylock extended credit to the reckless Antonio knowing his full credit report, knowing that he wasn’t likely to keep his financial commitments. The Christian minister is to extend the sacraments of baptism and communion liberally, without regard of whether the individual will be able to perfectly keep their covenant. Much like Shylock, the minister extends those means of grace knowing that his sheep will fail to uphold their side of the covenant. This is not an invitation for a legalistic guarding of the table, but rather an understanding that the table is a place of confession and forgiveness. Each Lord’s Day, the forgiveness of the Gospel is to be offered to all who would confess and forsake their sins, clinging only to the blood of Jesus. Shylock demanded a pound of flesh when Antonio couldn’t pay, but in Christ we are forgiven our debts and we are nourished on the new riches of Christ’s flesh. The “fleshly” demands of the enemy are consumed like wine swallowed in the grace of our Lord’s blood. While we suffer through the uncertainty of excommunication, through the real pain, and broken relationships–there is a hope that amid the storms of sin in our life, that by church discipline Christ will bring our ships home.

A Sanctuary From Sanctification

Credit ratings fail to mean anything if other lenders refuse to heed their warnings, and church discipline is the same. If a church refuses to recognize the legitimate discipline of an individual who attempts to join their congregation, they make their house of prayers into a sanctuary away from sanctification. Not only do they open their congregation up to a toxic leaven left to the buffeting of Satan, but this also prevents this sinner from reconciliation and repentance with Christ’s church, which they have spurned. Welcoming excommunicated Christians to another church is harmful to the individual, to the body, and the unity of the Church.

Excommunications aren’t perfect, and everyone has a story about some mistakes or abuses. But the key point is, because the church is God’s biblical model, we should strive to reform our churches to better serve our members. There is also a shield in place to fix errors: the Holy Spirit. No pastor wants to excommunicate a father or mother of a family he loves or have a false accusation on his conscience when he is promised to be judged more strictly by God Himself (James 3:1).

Christian Credit Score System

When a member moves to another church, which happens for a number of valid reasons, he should have his membership transferred to the care of the new church. The old and new pastors should discuss the move and ensure that it was done with the best intentions, communicating any pastoral knowledge that would help the next minister in his shepherding duties. He should mention if this member had been disciplined in the past, what the elders noticed during visitations, and so on. This is just like Bank of America communicating with Wells Fargo about how you kept up with your mortgage, before they give you a bank loan for a new car. Christians should expect something like a permanent record to follow them throughout their care from a pastor to the next pastor that ministers to them.

Imagine if each of our ministers kept a record of members’ status in the church; we wouldn’t have to include much, just 1. Good Standing since xx/xx/xxxx [Church] or 2. Excommunicated on xx/xx/xxxx [Church]. Remembering of course that FICO is a private credit rating system, the same would be true of a Christian credit score system. When an individual seeks membership in a new church they simply have their name run through our newly conjectured “Christian Faithfulness Index.” And so, if you are in good standing, it is noted. If you skipped out on your last church, it is noted. If you are under discipline, the minister knows you need to reconcile with a previous church, and it is there in black and white.

Sure, at first it sounds a bit strange to our modern sensibilities. But it is nearly the same as we imagine it will be once we stand before the great throne of judgement. Do you chafe at the idea that then all deeds will be exposed? Shouldn’t we welcome the kind of covenant community that not only involves the “fun” parts of fellowship, but also dealing properly with sin, including our own? This system would tell the truth, which could go well for you, or not, depending on what is true. All that a negative report that is accurate can do is to encourage you to repent. This is entirely reasonable. We can hold more conferences on church membership, write more books on repentance, give lectures on character, but if we fail to uphold the Bible’s prescribed means of discipline, it will all be for naught.

Reformed Christians can take the lead and build a reformed network accepting submissions for a “Christian Faithfulness Index.” Incrementally, the Kingdom will incentivize and consistently apply church discipline by preventing ”Joe-Bob” from escaping discipline from First Presbyterian Church by showing up at Second Reformed Church down the street. Churches that practice discipline will see the fruit of Christ’s mercy. Those who find no sanctuary from Satan in anti-sanctification churches will have no choice but to look for new life in our risen Savior.

As a Christian with Bible-based optimism, I believe we will see unity of believers, of denominations, of schisms, of sects, under the present reign of King Jesus. And I believe discipline is a vital part of the sanctification of the bride of Christ.

In closing, I am reminded of a hymn we sing often at Church of the King. As you read the lyrics of “How Sweet and Awful is the Place,” pray that the Lord brings the strangers home.

How Sweet and Awful is the Place

by Isaac Watts

How sweet and awful is the place 

With Christ within the doors, 

While everlasting love displays 

The choicest of her stores.

While all our hearts and all our songs 

Join to admire the feast,

Each of us cry, with thankful tongues,

“Lord, why was I a guest?”

“Why was I made to hear Thy voice,

And enter while there’s room,

When thousands make a wretched choice,

And rather starve than come?”

‘Twas the same love that spread the feast

That sweetly drew us in;

Else we had still refused to taste,

And perished in our sin.

Pity the nations, O our God, 

Constrain the earth to come; 

Send Thy victorious Word abroad, 

And bring the strangers home.

We long to see Thy churches full, 

That all the chosen race 

May, with one voice and heart and soul,

Sing Thy redeeming grace.

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